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 Jul 2, 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 494.88 535.99 590.17 662.68 760.24 933.67
Canada Life 459.47 494.53 545.12 620.92 738.56 927.96
Desjardins 470.86 510.84 566.12 645.51 753.35 897.34
Empire Life 443.81 484.63 540.76 617.64 720.61 -
Manulife Investments 490.47 532.71 587.66 660.78 776.37 964.48
RBC Life Insurance 448.34 486.17 537.92 614.41 732.54 920.72
Sun Life Assurance 460.54 496.59 547.79 625.66 747.75 928.20

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 491.52 525.83 572.16 633.27 675.56 764.32
Canada Life 455.28 487.66 533.09 596.27 682.03 784.64
Desjardins 467.30 504.89 555.51 623.54 703.71 802.35
Empire Life 440.33 477.75 526.23 588.48 669.33 772.35
Equitable 491.94 528.03 574.94 630.47 695.00 757.12
Manulife Investments 485.01 523.15 569.79 626.74 701.16 775.86
RBC Life Insurance 448.55 517.19 572.80 633.01 689.05 796.75
Sun Life Assurance 457.24 490.20 534.51 597.81 681.55 768.96

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 478.42 506.96 551.80 610.52 668.70 819.20
Canada Life 438.55 467.45 507.80 565.36 650.26 782.88
Desjardins 448.00 482.52 529.60 595.51 682.79 810.50
Empire Life 420.83 453.55 498.93 563.50 658.09 -
Manulife Investments 475.03 503.19 549.05 609.02 702.75 845.53
RBC Life Insurance 428.40 462.59 508.21 571.55 667.22 820.34
Sun Life Assurance 439.46 473.65 518.21 582.78 678.03 830.70

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 475.73 500.42 565.43 598.33 635.99 733.32
Canada Life 436.93 464.47 502.06 553.85 625.49 720.12
Desjardins 419.04 445.60 482.52 535.09 604.19 716.74
Empire Life 419.37 450.60 492.72 550.24 628.88 730.98
Equitable 463.97 502.81 544.25 597.06 649.73 735.32
Manulife Investments 471.77 497.28 538.17 588.79 658.89 741.28
RBC Life Insurance 403.78 429.12 463.67 511.72 582.84 696.34
Sun Life Assurance 436.95 468.77 508.51 563.12 632.66 718.10

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