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 May 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 483.03 524.93 578.69 654.12 751.68 924.93
Canada Life 458.77 493.91 543.97 619.47 736.04 924.54
Desjardins 473.68 513.58 568.79 648.13 753.35 897.34
Empire Life 435.21 476.16 532.38 609.33 712.43 -
Manulife Investments 489.53 531.78 586.75 662.58 778.17 966.34
RBC Life Insurance 445.33 483.76 535.48 611.88 729.90 917.86
Sun Life Assurance 458.31 494.25 545.38 623.15 745.10 925.36

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 481.04 519.05 569.97 632.21 674.57 763.38
Canada Life 454.58 487.04 531.96 594.86 679.66 781.58
Desjardins 470.08 507.59 558.12 626.05 703.71 802.35
Empire Life 431.83 469.45 518.15 580.67 661.82 765.20
Equitable 481.83 519.92 571.00 633.19 699.68 758.10
Manulife Investments 484.09 522.25 568.92 628.42 702.75 777.36
RBC Life Insurance 445.63 511.33 569.35 632.12 686.49 794.21
Sun Life Assurance 455.03 487.90 532.15 595.40 679.07 766.41

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 470.65 495.92 541.00 602.17 660.53 810.89
Canada Life 437.68 466.35 506.63 563.42 648.05 779.67
Desjardins 450.84 485.28 532.29 598.14 682.79 810.50
Empire Life 412.29 445.19 490.72 555.41 650.09 -
Manulife Investments 477.09 502.26 548.13 610.83 704.55 847.35
RBC Life Insurance 424.90 459.58 505.65 568.97 664.54 817.49
Sun Life Assurance 437.31 471.37 515.85 580.35 675.50 827.99

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 467.45 492.42 543.66 592.99 630.97 728.52
Canada Life 436.06 463.37 500.89 551.94 623.35 717.10
Desjardins 449.07 481.96 525.76 584.81 654.25 753.39
Empire Life 410.87 442.32 484.65 542.40 621.30 723.71
Equitable 468.16 492.91 543.68 593.77 655.49 728.85
Manulife Investments 473.81 496.37 537.28 590.51 660.54 742.85
RBC Life Insurance 424.85 485.41 542.90 592.68 636.51 739.11
Sun Life Assurance 434.81 466.51 506.20 560.76 630.26 715.62

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