Transgender Annuity Rates

Transgender Annuity Rates

Browse LGBTQ+ Annuity Rates

Important Note: Life insurance companies in Canada do not differentiate annuity rates based on sexual orientation or gender identity. For transgender individuals, annuity rates are based on your legal gender marker, either male or female. For this reason the annuity rates displayed below reflect the same calculations used for standard male and female annuitants.

Annuity Rates as of Sept 3, 2025

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: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 496.07 534.24 588.44 660.97 764.24 937.76
Canada Life 463.34 497.84 547.62 622.34 738.66 926.53
Desjardins 482.16 521.84 576.84 656.01 758.49 902.24
Empire Life 441.71 482.43 538.44 615.19 718.06 -
Manulife Investments 515.00 546.60 609.54 696.75 829.34 1,050.98
RBC Life Insurance 454.87 492.21 544.12 620.84 739.24 928.02
Sun Life Assurance 478.94 514.51 564.99 623.94 762.60 941.66

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 495.03 532.64 578.74 639.59 684.49 772.79
Canada Life 459.07 490.85 535.44 597.51 681.95 783.24
Desjardins 478.47 515.72 565.97 633.62 708.50 806.90
Empire Life 438.25 475.59 523.98 586.16 666.97 770.02
Equitable 495.53 532.69 578.89 637.01 709.07 757.12
Manulife Investments 508.84 536.35 589.30 654.85 734.43 810.82
RBC Life Insurance 454.89 523.77 578.02 639.37 695.41 803.03
Sun Life Assurance 475.41 507.74 551.01 612.83 694.52 779.54

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 485.02 505.79 550.09 609.41 673.08 823.64
Canada Life 442.63 471.08 510.74 567.34 651.04 782.26
Desjardins 459.37 493.59 540.39 606.05 687.92 815.43
Empire Life 418.80 451.43 496.71 561.16 655.64 -
Manulife Investments 465.57 499.20 539.97 590.87 672.24 789.52
RBC Life Insurance 435.64 468.87 514.16 577.68 673.54 827.02
Sun Life Assurance 457.72 491.55 535.45 599.05 693.03 844.27

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 481.67 506.73 559.26 598.87 642.04 739.08
Canada Life 440.97 468.04 504.91 555.72 626.14 719.43
Desjardins 457.55 490.19 533.73 592.49 659.14 758.05
Empire Life 417.34 448.50 490.53 547.97 626.55 728.63
Equitable 482.62 506.91 559.63 599.25 664.42 741.31
Manulife Investments 462.72 493.76 530.44 574.79 638.51 715.40
RBC Life Insurance 435.41 498.06 558.49 598.41 645.16 747.88
Sun Life Assurance 455.03 486.35 525.22 578.51 646.17 729.26

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