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 Aug 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 500.25 541.84 595.35 667.83 765.39 938.93
Canada Life 465.72 500.63 550.97 626.44 743.70 932.74
Desjardins 479.32 519.09 574.15 653.38 758.49 902.24
Empire Life 449.58 490.31 546.38 623.20 726.07 -
Manulife Investments 497.93 540.07 594.91 667.92 783.51 971.86
RBC Life Insurance 456.33 493.70 545.64 622.42 740.88 929.81
Sun Life Assurance 472.82 508.57 559.37 636.76 758.44 938.65

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 497.37 531.50 576.54 639.07 681.01 769.49
Canada Life 461.44 493.63 538.75 601.49 686.70 788.71
Desjardins 475.67 513.00 563.35 631.09 708.50 806.90
Empire Life 446.03 483.31 531.63 593.70 674.35 777.13
Equitable 497.92 533.85 580.59 639.19 702.81 757.12
Manulife Investments 492.35 530.33 576.74 633.40 707.48 781.81
RBC Life Insurance 456.34 523.16 575.82 638.86 696.96 804.56
Sun Life Assurance 469.38 501.95 545.68 608.25 691.11 777.58

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 487.42 512.80 557.51 616.12 674.17 824.75
Canada Life 444.79 473.59 513.73 570.97 655.47 787.69
Desjardins 456.52 490.82 537.69 603.41 687.92 815.43
Empire Life 426.57 459.16 504.43 568.91 663.45 -
Manulife Investments 484.47 510.62 556.36 616.22 709.91 852.76
RBC Life Insurance 437.19 470.34 515.63 579.20 675.11 828.69
Sun Life Assurance 451.63 485.59 529.77 593.85 688.61 840.95

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 484.05 506.15 561.50 599.40 637.00 734.28
Canada Life 443.14 470.55 507.89 559.30 630.45 724.51
Desjardins 454.72 487.44 531.07 589.93 659.14 758.05
Empire Life 425.07 456.15 498.12 555.48 633.96 735.84
Equitable 484.74 508.67 549.93 600.90 666.53 742.81
Manulife Investments 481.12 504.58 545.29 595.65 665.47 747.53
RBC Life Insurance 436.92 497.91 560.78 598.97 646.69 749.43
Sun Life Assurance 449.01 480.52 519.75 573.67 642.35 726.85

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