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 Oct 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 |
500.72 | 530.43 | 573.01 | 628.48 | 682.29 | 833.00 |
 Canada Life |
463.58 | 491.99 | 531.96 | 588.71 | 672.78 | 804.39 |
 Desjardins |
481.10 | 514.80 | 561.01 | 626.00 | 706.98 | 833.24 |
 Empire Life |
440.58 | 472.70 | 517.47 | 581.41 | 675.35 | - |
 Manulife Investments |
499.00 | 529.69 | 573.61 | 630.58 | 699.86 | 827.33 |
 RBC Life Insurance |
464.12 | 496.12 | 539.99 | 601.78 | 696.08 | 836.67 |
 Sun Life Assurance |
480.25 | 514.38 | 558.70 | 623.27 | - | - |
Single Life: Female, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
502.44 | 525.06 | 562.51 | 620.60 | 649.02 | 745.74 |
| Canada Life |
461.85 | 488.83 | 525.92 | 576.74 | 647.34 | 740.70 |
| Desjardins |
479.18 | 511.23 | 554.09 | 612.05 | 677.66 | 775.56 |
| Empire Life |
439.04 | 469.61 | 511.02 | 567.78 | 645.63 | 746.94 |
 Equitable |
503.50 | 527.56 | 566.90 | 620.90 | 673.22 | 756.55 |
| Manulife Investments |
495.31 | 523.21 | 563.51 | 622.18 | 673.97 | 753.42 |
| RBC Life Insurance |
463.64 | 517.91 | 562.41 | 619.39 | 667.04 | 766.77 |
| Sun Life Assurance |
477.45 | 509.00 | 548.16 | 602.28 | - | - |
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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