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 July 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 |
480.21 | 509.87 | 552.94 | 609.41 | 668.70 | 819.20 |
 Canada Life |
431.59 | 460.11 | 499.70 | 556.15 | 639.80 | 770.46 |
 Desjardins |
453.21 | 487.42 | 534.15 | 599.64 | 681.22 | 808.50 |
 Empire Life |
417.54 | 450.17 | 495.39 | 559.69 | 653.88 | - |
 Manulife Investments |
474.91 | 505.38 | 549.26 | 606.40 | 676.01 | 802.04 |
 RBC Life Insurance |
430.58 | 465.80 | 513.59 | 577.04 | 670.60 | 820.14 |
 Sun Life Assurance |
449.49 | 483.38 | 527.52 | 591.72 | - | - |
Single Life: Female, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
482.98 | 513.76 | 553.56 | 608.74 | 639.02 | 736.20 |
| Canada Life |
430.01 | 457.20 | 494.11 | 544.95 | 615.67 | 709.18 |
| Desjardins |
451.45 | 484.12 | 527.66 | 586.41 | 653.07 | 752.14 |
| Empire Life |
416.12 | 447.29 | 489.32 | 546.72 | 625.27 | 727.46 |
 Equitable |
479.76 | 507.50 | 548.60 | 592.23 | 641.71 | 726.04 |
| Manulife Investments |
471.47 | 500.71 | 539.74 | 598.99 | 651.83 | 730.37 |
| RBC Life Insurance |
430.55 | 502.46 | 552.23 | 607.70 | 642.52 | 743.56 |
| Sun Life Assurance |
446.93 | 478.41 | 517.70 | 571.93 | - | - |
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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