Joint Term Certain Annuity Rates

January 15, 2019

The following Canadian term certain annuity rates are as of January 15, 2019.

The monthly income is based on a premium of $100,000.00 of non-registered funds and payments will commence in one month.

Company	Age 55	Age 60	Age 65	Age 70	Age 75	Age 80
BMO Insurance	1,712.18	1,712.18<	1,712.18<	1,712.18<	1,712.18<	1,712.18<
Canada Life	1,722.95	1,722.95	1,722.94	1,722.93	1,722.90	1,722.85
Desjardins Fin.	n/a	n/a	n/a	n/a	n/a	n/a
Equitable Life	1,703.09	1,703.09	1,703.09	1,703.09	1,703.09	1,703.09
Great-West Life	1,722.95	1,722.95	1,722.94	1,722.93	1,722.90	1,722.85
*Manulife	n/a	n/a	n/a	n/a	n/a	n/a
RBC Insurance	1,695.32	1,695.32	1,695.32	1,695.32	1,695.32	1,695.32
Sun Life	1,694.35	1,694.35	1,694.35	1,694.35	1,694.35	1,694.35

Company	Age 55	Age 60	Age 65	Age 70	Age 75	Age 80
BMO Insurance	912.10	912.10	912.10	912.10	912.10	912.10
Canada Life	890.42	890.41	890.40	890.39	890.37	890.32
Desjardins Fin.	n/a	n/a	n/a	n/a	n/a	n/a
Empire Life	913.41	913.41	913.41	913.38	913.36	913.39
Equitable Life	904.85	904.85	904.85	904.85	904.85	904.85
Great-West Life	890.42	890.41	890.40	890.39	890.37	890.32
*Manulife	n/a	n/a	n/a	n/a	n/a	n/a
RBC Insurance	900.35	900.35	900.35	900.35	900.35	900.35
Sun Life	904.03	904.03	904.03	904.03	904.03	904.03

Company	Age 55	Age 60	Age 65	Age 70	Age 75	Age 80
BMO Insurance	646.61	646.61	646.61	646.61	646.61	646.61
Canada Life	645.73	645.74	645.74	645.73	645.71	645.68
Desjardins Fin.	n/a	n/a	n/a	n/a	n/a	n/a
Empire Life	664.50	664.49	664.48	664.45	664.44	n/a
Equitable Life	650.60	650.60	650.60	650.60	650.60	n/a
Great-West Life	645.73	645.74	645.74	645.73	645.71	645.68
*Manulife	n/a	n/a	n/a	n/a	n/a	n/a
RBC Insurance	636.88	636.88	636.88	636.88	636.88	n/a
Sun Life	649.70	649.70	649.70	649.70	649.70	649.70

Company	Age 55	Age 60	Age 65	Age 70	Age 75	Age 80
BMO Insurance	515.18	515.18	515.18	515.18	515.18	515.18
Canada Life	528.36	528.35	528.35	528.34	528.33	528.30
Desjardins Fin.	n/a	n/a	n/a	n/a	n/a	n/a
Empire Life	538.85	538.85	538.83	538.81	n/a	n/a
Equitable Life	523.37	523.37	523.37	523.37	n/a	n/a
Great-West Life	528.36	528.35	528.35	528.34	528.33	528.30
*Manulife	n/a	n/a	n/a	n/a	n/a	n/a
RBC Insurance	509.97	509.97	509.97	509.97	n/a	n/a
Sun Life	511.27	511.27	511.27	511.27	511.27	511.27

*Please note that Manulife has discontinued external annuity sales as of June 29, 2018.