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 Oct 1, 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 484.21 522.62 576.97 649.57 752.82 926.09
Canada Life 456.28 490.61 540.20 614.69 730.69 918.12
Desjardins 470.86 510.84 566.12 645.51 748.22 892.46
Empire Life 433.13 473.98 530.08 606.89 709.89 -
Manulife Investments 482.14 519.40 573.13 649.27 750.50 912.85
RBC Life Insurance 447.41 488.21 542.77 618.33 735.05 921.33
Sun Life Assurance 465.69 501.00 551.22 627.75 - -

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 484.88 525.04 569.59 629.06 674.57 763.38
Canada Life 452.08 483.74 528.20 590.16 674.52 775.78
Desjardins 467.30 504.89 555.51 623.54 698.92 797.80
Empire Life 429.77 467.31 515.93 578.37 659.48 762.88
Equitable 484.20 532.69 574.38 640.83 698.12 757.12
Manulife Investments 476.84 510.07 555.54 618.02 682.82 721.65
RBC Life Insurance 447.96 520.44 570.71 637.12 690.67 797.35
Sun Life Assurance 462.29 494.46 537.67 599.53 - -

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 473.04 494.19 538.74 598.28 662.16 812.55
Canada Life 435.72 464.00 503.50 559.93 643.42 774.35
Desjardins 448.00 482.52 529.60 595.51 677.68 805.58
Empire Life 410.28 443.09 488.52 553.09 647.64 -
Manulife Investments 467.11 498.95 545.27 604.80 686.96 807.81
RBC Life Insurance 426.09 461.87 510.52 576.03 670.24 817.15
Sun Life Assurance 444.76 478.30 521.95 585.32 - -

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 477.63 497.10 558.59 598.55 631.97 729.48
Canada Life 434.09 461.02 497.76 548.47 618.80 712.01
Desjardins 446.26 479.22 523.11 582.25 649.37 748.74
Empire Life 408.87 440.24 482.49 540.15 618.97 721.37
Equitable 475.37 501.65 547.66 593.77 656.54 731.83
Manulife Investments 463.88 492.95 534.15 584.27 643.11 705.20
RBC Life Insurance 426.09 490.34 558.01 598.30 641.32 742.24
Sun Life Assurance 442.17 473.28 512.05 565.34 - -

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