Transgender Annuity Rates
- Single - LGBTQ+ Male
- Single - LGBTQ+ Female
- Joint - Same-Sex Couple (Male-Male)
- Joint - Same-Sex Couple (Female-Female)
- Transgender
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 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: Male, no guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
 BMO Insurance |
521.56 | 555.65 | 603.45 | 675.58 | 763.10 | 936.59 |
 Canada Life |
474.03 | 508.98 | 558.84 | 633.78 | 750.44 | 939.02 |
 Desjardins |
501.15 | 540.23 | 594.55 | 672.94 | 771.84 | 914.33 |
 Empire Life |
465.36 | 505.61 | 561.18 | 637.46 | 739.66 | - |
 Manulife Investments |
516.21 | 551.31 | 601.00 | 672.40 | 770.80 | 914.18 |
 RBC Life Insurance |
474.40 | 510.73 | 561.82 | 635.66 | 752.04 | 933.28 |
 Sun Life Assurance |
489.47 | 525.14 | 576.12 | 654.25 | - | - |
Single Life: Male, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
524.29 | 550.97 | 601.00 | 661.61 | 699.95 | 787.46 |
| Canada Life |
469.71 | 501.92 | 546.58 | 608.84 | 693.67 | 795.91 |
| Desjardins |
497.30 | 533.88 | 583.38 | 650.15 | 721.57 | 819.29 |
| Empire Life |
461.70 | 498.44 | 546.19 | 607.65 | 687.73 | 790.03 |
 Equitable |
525.04 | 553.55 | 602.31 | 668.15 | 718.08 | 786.71 |
| Manulife Investments |
510.68 | 545.66 | 599.25 | 650.42 | 724.14 | 791.67 |
| RBC Life Insurance |
474.25 | 541.71 | 599.54 | 662.95 | 719.41 | 814.75 |
| Sun Life Assurance |
486.00 | 518.47 | 562.36 | 625.74 | - | - |
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 | - | - |
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