Female Term Certain Annuity Rates
Female Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Apr 2, 2026.
The monthly income is based on a premium of $100,000.00 of non-registered funds and payments will commence in one month.
Key Fact: For a term certain annuity, income payments are the same for all ages for the same term and company.
Updated:
5 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
 BMO Insurance |
1,753.59 | 1,753.59 | 1,753.59 | 1,753.59 | 1,753.59 | 1,753.59 |
 Canada Life |
1,737.16 | 1,737.16 | 1,737.16 | 1,737.16 | 1,737.16 | 1,737.16 |
 Desjardins |
1,720.66 | 1,720.66 | 1,720.66 | 1,720.66 | 1,720.66 | 1,720.66 |
 Equitable |
1,753.58 | 1,753.58 | 1,753.58 | 1,753.58 | 1,753.58 | 1,753.58 |
 Manulife Investments |
1,753.94 | 1,753.94 | 1,753.94 | 1,753.94 | 1,753.94 | 1,753.94 |
 RBC Life Insurance |
1,753.65 | 1,753.65 | 1,753.65 | 1,753.65 | 1,753.65 | 1,753.65 |
 Sun Life Assurance |
1,699.08 | 1,699.08 | 1,699.08 | 1,699.08 | 1,699.08 | 1,699.08 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
964.13 | 964.13 | 964.13 | 964.13 | 964.13 | 964.13 |
| Canada Life |
921.52 | 921.52 | 921.52 | 921.52 | 921.52 | 921.52 |
| Desjardins |
944.35 | 944.35 | 944.35 | 944.35 | 944.35 | 944.35 |
 Empire Life |
930.51 | 930.51 | 930.51 | 930.51 | 930.51 | 930.51 |
| Equitable |
963.04 | 963.04 | 963.04 | 963.04 | 963.04 | 963.04 |
| Manulife Investments |
963.56 | 963.56 | 963.56 | 963.56 | 963.56 | 963.56 |
| RBC Life Insurance |
961.93 | 961.93 | 961.93 | 961.93 | 961.93 | 961.93 |
| Sun Life Assurance |
931.65 | 931.65 | 931.65 | 931.65 | 931.65 | 931.65 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
709.59 | 709.59 | 709.59 | 709.59 | 709.59 | n/a |
| Canada Life |
670.83 | 670.83 | 670.83 | 670.83 | 670.83 | n/a |
| Desjardins |
704.09 | 704.09 | 704.09 | 704.09 | 704.09 | n/a |
| Empire Life |
689.26 | 689.26 | 689.26 | 689.26 | 689.26 | n/a |
| Equitable |
708.78 | 708.78 | 708.78 | 708.78 | 708.78 | n/a |
| Manulife Investments |
709.23 | 709.23 | 709.23 | 709.23 | 709.23 | n/a |
| RBC Life Insurance |
701.42 | 701.42 | 701.42 | 701.42 | 701.42 | n/a |
| Sun Life Assurance |
690.88 | 690.88 | 690.88 | 690.88 | 690.88 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
594.49 | 594.49 | 594.49 | 594.49 | n/a | n/a |
| Canada Life |
558.17 | 558.17 | 558.17 | 558.17 | n/a | n/a |
| Desjardins |
588.86 | 588.86 | 588.86 | 588.86 | n/a | n/a |
| Empire Life |
564.93 | 564.93 | 564.93 | 564.93 | n/a | n/a |
| Equitable |
593.76 | 593.76 | 593.76 | 593.76 | n/a | n/a |
| Manulife Investments |
594.66 | 594.66 | 594.66 | 594.66 | n/a | n/a |
| RBC Life Insurance |
573.78 | 573.78 | 573.78 | 573.78 | n/a | n/a |
| Sun Life Assurance |
559.19 | 559.19 | 559.19 | 559.19 | n/a | n/a |
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