Single LGBTQ+ Female Annuity Rates
- Single - LGBTQ+ Male
- Single - LGBTQ+ Female
- Joint - Same-Sex Couple (Male-Male)
- Joint - Same-Sex Couple (Female-Female)
- Transgender
Annuity Rates as of Sept 1, 2026
The following monthly annuity rates are based on a premium of $100,000.00 of registered funds. Payments will commence in one month.
Single Life: Female, no guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
 BMO Insurance |
494.06 | 523.36 | 566.10 | 621.72 | 677.35 | 827.98 |
 Canada Life |
451.55 | 479.46 | 518.83 | 574.89 | 658.09 | 788.52 |
 Desjardins |
473.24 | 506.93 | 553.15 | 618.17 | 694.06 | 820.84 |
 Empire Life |
426.13 | 458.57 | 503.63 | 567.80 | 661.91 | - |
 Manulife Investments |
492.30 | 522.49 | 565.99 | 622.64 | 693.10 | 815.82 |
 RBC Life Insurance |
453.94 | 487.26 | 531.48 | 593.03 | 687.11 | 830.72 |
 Sun Life Assurance |
463.06 | 496.65 | 540.38 | 604.14 | - | - |
Single Life: Female, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
495.83 | 520.99 | 560.27 | 616.28 | 644.97 | 741.88 |
| Canada Life |
449.86 | 476.38 | 512.95 | 563.21 | 633.19 | 725.91 |
| Desjardins |
471.37 | 503.44 | 546.36 | 604.43 | 665.33 | 763.82 |
| Empire Life |
424.66 | 455.61 | 497.42 | 554.58 | 632.88 | 734.74 |
 Equitable |
497.38 | 521.64 | 560.59 | 611.48 | 658.98 | 747.00 |
| Manulife Investments |
488.68 | 516.13 | 556.07 | 612.76 | 667.24 | 742.93 |
| RBC Life Insurance |
453.52 | 512.72 | 558.84 | 615.13 | 658.21 | 759.51 |
| Sun Life Assurance |
460.38 | 491.48 | 530.22 | 583.82 | - | - |
Important Note: Life insurance companies do not differentiate based on sexual orientation or gender identity. Annuity rates for Single LGBTQ+ Females are calculated the same as standard female annuity rates.
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