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
Show All Insurer Rate Tables
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 |
521.56 | 555.65 | 603.45 | 675.58 | 763.10 | 936.59 |
 Canada Life |
474.03 | 508.98 | 558.84 | 633.78 | 750.44 | 939.02 |
 Desjardins |
501.15 | 540.23 | 594.55 | 672.94 | 771.84 | 914.33 |
 Empire Life |
465.36 | 505.61 | 561.18 | 637.46 | 739.66 | - |
 Manulife Investments |
516.21 | 551.31 | 601.00 | 672.40 | 770.80 | 914.18 |
 RBC Life Insurance |
474.40 | 510.73 | 561.82 | 635.66 | 752.04 | 933.28 |
 Sun Life Assurance |
489.47 | 525.14 | 576.12 | 654.25 | - | - |
Female — Annuity Rates
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
506.80 | 536.95 | 579.95 | 634.68 | 685.32 | 836.06 |
| Canada Life |
453.44 | 482.07 | 521.86 | 578.86 | 663.06 | 795.05 |
| Desjardins |
478.61 | 512.27 | 558.45 | 623.41 | 701.80 | 828.27 |
| Empire Life |
442.68 | 474.88 | 519.74 | 583.79 | 677.84 | - |
| Manulife Investments |
501.54 | 532.20 | 576.08 | 632.99 | 698.31 | 829.63 |
| RBC Life Insurance |
454.96 | 488.12 | 532.24 | 593.80 | 687.90 | 836.93 |
| Sun Life Assurance |
468.39 | 502.40 | 546.80 | 611.57 | - | - |
Insight: Males typically receive slightly higher monthly income than females at the same age due to life expectancy assumptions.
