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 Nov 4, 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 478.31 516.83 571.26 643.90 752.82 926.09
Canada Life 454.30 488.97 538.50 613.18 728.85 916.33
Desjardins 465.25 505.37 560.78 640.28 743.10 887.58
Empire Life 427.45 468.38 524.53 601.38 704.46 -
Manulife Investments 477.54 514.56 568.07 644.26 746.02 909.20
RBC Life Insurance 446.81 487.65 542.31 617.93 734.63 920.87
Sun Life Assurance 457.79 493.11 543.36 619.95 - -

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 481.39 520.51 568.49 628.53 674.57 763.38
Canada Life 450.14 482.15 526.58 588.77 672.91 774.36
Desjardins 461.74 499.51 550.30 618.52 694.15 793.26
Empire Life 424.15 461.82 510.58 573.19 654.49 758.13
Equitable 481.56 520.67 568.74 629.52 673.28 735.70
Manulife Investments 472.32 505.36 550.68 613.35 678.84 718.64
RBC Life Insurance 447.37 512.48 567.61 628.14 690.28 794.63
Sun Life Assurance 454.47 486.71 578.38 592.16 - -

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 467.09 488.42 533.09 592.74 662.16 812.55
Canada Life 433.41 461.77 501.65 557.99 641.45 772.47
Desjardins 442.36 477.01 524.23 590.27 672.58 800.67
Empire Life 404.63 437.56 483.09 547.74 642.33 -
Manulife Investments 462.78 494.36 540.44 599.74 682.45 804.22
RBC Life Insurance 425.48 461.27 509.99 575.62 669.83 816.73
Sun Life Assurance 436.99 470.50 514.19 577.62 - -

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 471.71 495.38 556.91 598.01 631.97 729.48
Canada Life 431.80 458.81 495.95 546.60 616.96 710.36
Desjardins 440.64 473.77 517.83 577.15 644.51 744.09
Empire Life 403.25 434.76 477.15 534.96 613.94 716.55
Equitable 468.37 495.57 541.25 595.47 633.06 702.16
Manulife Investments 459.59 488.44 529.45 579.45 638.97 702.12
RBC Life Insurance 425.49 486.91 556.07 597.50 640.84 740.96
Sun Life Assurance 434.47 465.60 504.48 557.98 - -

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