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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