Annuity Rate Comparisons
Male vs Female Comparison Table
| Age | Avg Male | Avg Female | Difference ( - ) | % Gap |
|---|
Annuity rates are based on the following assumptions.
• $100,000 of registered funds • No guarantee period • Payments begin in one month
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Use the button to view all insurer rates. Monthly income per $100,000; no guarantee period.
Male — Annuity Rates
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 485.99 | 522.62 | 575.25 | 650.71 | 759.67 | 933.09 |
| Canada Life | 463.44 | 497.69 | 546.96 | 620.94 | 735.97 | 922.31 |
| Desjardins | 473.04 | 512.76 | 567.70 | 646.62 | 748.65 | 892.27 |
| Empire Life | 440.81 | 481.20 | 536.78 | 613.00 | 715.37 | - |
| Manulife Investments | 493.75 | 531.12 | 584.95 | 660.94 | 762.88 | 927.18 |
| RBC Life Insurance | 458.88 | 498.23 | 551.00 | 625.02 | 741.34 | 927.02 |
| Sun Life Assurance | 472.97 | 508.25 | 558.46 | 635.13 | - | - |
Female — Annuity Rates
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 471.25 | 502.30 | 547.24 | 606.06 | 675.27 | 825.87 |
| Canada Life | 442.66 | 471.11 | 510.50 | 566.62 | 649.76 | 779.72 |
| Desjardins | 450.37 | 484.66 | 531.45 | 597.01 | 678.66 | 806.04 |
| Empire Life | 418.36 | 450.85 | 495.91 | 560.06 | 654.10 | - |
| Manulife Investments | 478.55 | 510.54 | 556.98 | 616.60 | 699.41 | 821.85 |
| RBC Life Insurance | 438.06 | 472.99 | 520.09 | 582.94 | 676.88 | 826.94 |
| Sun Life Assurance | 452.30 | 485.96 | 529.75 | 593.38 | - | - |
Insight: Males typically receive slightly higher monthly income than females at the same age due to life expectancy assumptions.