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 Jun 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
487.76
529.00
582.70
658.11
755.67
929.01
Canada Life
452.97
488.35
538.54
614.54
731.86
921.06
Desjardins
473.68
513.58
568.79
648.13
753.35
897.34
Empire Life
443.81
484.63
540.76
617.64
720.61
-
Manulife Investments
487.28
529.56
584.56
660.41
776.01
964.10
RBC Life Insurance
450.42
487.95
539.75
616.30
734.51
922.86
Sun Life Assurance
463.66
499.72
551.02
629.08
751.48
932.36
Single Life: Male, 10 year guarantee option
Company
55
60
65
70
75
80
BMO Insurance
484.53
521.31
570.52
633.27
675.56
764.32
Canada Life
448.86
481.59
526.70
590.20
675.88
778.69
Desjardins
470.08
507.59
558.12
626.05
703.71
802.35
Empire Life
440.33
477.75
526.23
588.48
669.33
772.35
Equitable
486.58
522.81
571.56
628.30
692.92
759.08
Manulife Investments
481.87
520.08
566.82
626.40
700.83
775.55
RBC Life Insurance
450.59
513.84
569.77
633.03
690.95
798.62
Sun Life Assurance
460.33
493.29
537.64
601.07
684.94
772.45
Single Life: Female, no guarantee option
Company
55
60
65
70
75
80
BMO Insurance
473.04
499.98
544.97
606.62
664.88
815.32
Canada Life
432.08
460.72
501.14
559.00
643.88
776.39
Desjardins
450.84
485.28
532.29
598.14
682.79
810.50
Empire Life
420.83
453.55
498.93
563.50
658.09
-
Manulife Investments
472.14
500.02
545.92
608.65
702.39
845.16
RBC Life Insurance
430.73
464.58
509.97
573.33
669.05
822.27
Sun Life Assurance
442.52
476.72
521.34
586.07
681.56
834.60
Single Life: Female, 10 year guarantee option
Company
55
60
65
70
75
80
BMO Insurance
469.81
495.27
550.88
593.53
631.47
729.00
Canada Life
430.49
457.80
495.49
547.66
619.39
714.15
Desjardins
449.07
481.96
525.76
584.81
654.25
753.39
Empire Life
419.37
450.60
492.72
550.24
628.88
730.98
Equitable
471.16
496.98
544.82
596.51
652.34
734.32
Manulife Investments
468.91
494.16
535.13
588.43
658.55
740.95
RBC Life Insurance
430.52
487.91
550.08
593.07
640.75
743.40
Sun Life Assurance
439.99
471.80
511.58
566.28
635.94
721.49
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