Female Term Certain Annuity Rates

Female Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Jul 3, 2025.
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.
5 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 1,740.26 | 1,740.26 | 1,740.26 | 1,740.26 | 1,740.26 | 1,740.26 |
Canada Life | 1,734.83 | 1,734.83 | 1,734.83 | 1,734.83 | 1,734.83 | 1,734.83 |
Desjardins Fin. | 1,712.46 | 1,712.46 | 1,712.46 | 1,712.46 | 1,712.46 | 1,712.46 |
Equitable | 1,755.05 | 1,755.05 | 1,755.05 | 1,755.05 | 1,755.05 | 1,755.05 |
Manulife | 1,751.12 | 1,751.12 | 1,751.12 | 1,751.12 | 1,751.12 | 1,751.12 |
RBC Insurance | 1,742.21 | 1,742.21 | 1,742.21 | 1,742.21 | 1,742.21 | 1,742.21 |
Sun Life | 1,686.11 | 1,686.11 | 1,686.11 | 1,686.11 | 1,686.11 | 1,686.11 |
10 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 967.07 | 967.07 | 967.07 | 967.07 | 967.07 | 967.07 |
Canada Life | 924.44 | 924.44 | 924.44 | 924.44 | 924.44 | 924.44 |
Desjardins Fin. | 940.06 | 940.06 | 940.06 | 940.06 | 940.06 | 940.06 |
Empire Life | 928.37 | 928.37 | 928.37 | 928.37 | 928.37 | 928.37 |
Equitable | 967.44 | 967.44 | 967.44 | 967.44 | 967.44 | 967.44 |
Manulife | 954.70 | 954.70 | 954.70 | 954.70 | 954.70 | 954.70 |
RBC Insurance | 949.32 | 949.32 | 949.32 | 949.32 | 949.32 | 949.32 |
Sun Life | 920.82 | 920.82 | 920.82 | 920.82 | 920.82 | 920.82 |
15 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 718.78 | 718.78 | 718.78 | 718.78 | 718.78 | n/a |
Canada Life | 673.84 | 673.84 | 673.84 | 673.84 | 673.84 | n/a |
Desjardins Fin. | 699.54 | 699.54 | 699.54 | 699.54 | 699.54 | n/a |
Empire Life | 686.99 | 686.99 | 686.99 | 686.99 | 686.99 | n/a |
Equitable | 719.47 | 719.47 | 719.47 | 719.47 | 719.47 | n/a |
Manulife | 700.61 | 700.61 | 700.61 | 700.61 | 700.61 | n/a |
RBC Insurance | 688.13 | 688.13 | 688.13 | 688.13 | 688.13 | n/a |
Sun Life | 678.47 | 678.47 | 678.47 | 678.47 | 678.47 | n/a |
20 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 594.34 | 594.34 | 594.34 | 594.34 | n/a | n/a |
Canada Life | 561.40 | 561.40 | 561.40 | 561.40 | n/a | n/a |
Desjardins Fin. | 584.03 | 584.03 | 584.03 | 584.03 | n/a | n/a |
Empire Life | 562.67 | 562.67 | 562.67 | 562.67 | n/a | n/a |
Equitable | 595.24 | 595.24 | 595.24 | 595.24 | n/a | n/a |
Manulife | 586.23 | 586.23 | 586.23 | 586.23 | n/a | n/a |
RBC Insurance | 559.81 | 559.81 | 559.81 | 559.81 | n/a | n/a |
Sun Life | 545.69 | 545.69 | 545.69 | 545.69 | n/a | n/a |
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