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 Nov 3, 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 |
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 | - | - |
Single Life: Female, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
509.08 | 530.88 | 569.25 | 624.93 | 651.05 | 747.67 |
| Canada Life |
451.76 | 479.00 | 515.98 | 567.15 | 638.05 | 732.08 |
| Desjardins |
476.71 | 508.72 | 551.57 | 609.53 | 672.72 | 770.86 |
| Empire Life |
441.13 | 471.77 | 513.25 | 570.09 | 648.00 | 749.32 |
 Equitable |
507.79 | 532.32 | 566.90 | 623.13 | 677.46 | 754.03 |
| Manulife Investments |
497.82 | 525.68 | 565.92 | 626.62 | 672.24 | 755.52 |
| RBC Life Insurance |
454.54 | 520.79 | 567.81 | 623.75 | 658.99 | 760.29 |
| Sun Life Assurance |
465.69 | 497.20 | 536.56 | 591.08 | - | - |
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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