Annuity Rate Comparisons

Male vs Female
Published:

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 logoBMO Insurance 499.65 533.07 581.55 657.54 751.39 924.64
Canada Life logoCanada Life 466.41 501.49 551.42 626.40 742.13 929.86
Desjardins logoDesjardins 484.36 523.78 578.44 657.13 753.78 897.16
Empire Life logoEmpire Life 442.91 483.40 539.10 615.45 717.92 -
Manulife Investments logoManulife Investments 494.76 529.61 579.22 651.10 752.82 889.75
RBC Life Insurance logoRBC Life Insurance 462.68 501.34 552.91 626.51 742.54 921.34
Sun Life Assurance logoSun Life Assurance 477.94 513.14 563.36 640.24 - -

Female — Annuity Rates

Company 55 60 65 70 75 80
BMO Insurance logoBMO Insurance 486.22 515.14 557.51 613.32 672.53 823.09
Canada Life logoCanada Life 445.83 474.49 514.45 570.88 655.16 786.39
Desjardins logoDesjardins 461.76 495.75 542.27 607.56 683.78 810.97
Empire Life logoEmpire Life 420.40 452.97 498.13 562.39 656.55 -
Manulife Investments logoManulife Investments 480.59 510.96 554.70 611.67 681.86 805.48
RBC Life Insurance logoRBC Life Insurance 442.25 476.72 522.86 584.64 676.86 824.31
Sun Life Assurance logoSun Life Assurance 457.21 490.78 534.53 598.29 - -

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Insight: Males typically receive slightly higher monthly income than females at the same age due to life expectancy assumptions.

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