Female Term Certain Annuity Rates
Female Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Mar 3, 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 |
1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 |
 Canada Life |
1,719.13 | 1,719.13 | 1,719.13 | 1,719.13 | 1,719.13 | 1,719.13 |
 Desjardins |
1,700.18 | 1,700.18 | 1,700.18 | 1,700.18 | 1,700.18 | 1,700.18 |
 Equitable |
1,745.63 | 1,745.63 | 1,745.63 | 1,745.63 | 1,745.63 | 1,745.63 |
 Manulife Investments |
1,738.51 | 1,738.51 | 1,738.51 | 1,738.51 | 1,738.51 | 1,738.51 |
 RBC Life Insurance |
1,741.75 | 1,741.75 | 1,741.75 | 1,741.75 | 1,741.75 | 1,741.75 |
 Sun Life Assurance |
1,679.89 | 1,679.89 | 1,679.89 | 1,679.89 | 1,679.89 | 1,679.89 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
959.02 | 959.02 | 959.02 | 959.02 | 959.02 | 959.02 |
| Canada Life |
905.68 | 905.68 | 905.68 | 905.68 | 905.68 | 905.68 |
| Desjardins |
927.26 | 927.26 | 927.26 | 927.26 | 927.26 | 927.26 |
 Empire Life |
911.33 | 911.33 | 911.33 | 911.33 | 911.33 | 911.33 |
| Equitable |
959.08 | 959.08 | 959.08 | 959.08 | 959.08 | 959.08 |
| Manulife Investments |
942.84 | 942.84 | 942.84 | 942.84 | 942.84 | 942.84 |
| RBC Life Insurance |
948.84 | 948.84 | 948.84 | 948.84 | 948.84 | 948.84 |
| Sun Life Assurance |
913.08 | 913.08 | 913.08 | 913.08 | 913.08 | 913.08 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
702.57 | 702.57 | 702.57 | 702.57 | 702.57 | - |
| Canada Life |
656.89 | 656.89 | 656.89 | 656.89 | 656.89 | - |
| Desjardins |
688.21 | 688.21 | 688.21 | 688.21 | 688.21 | - |
| Empire Life |
671.22 | 671.22 | 671.22 | 671.22 | 671.22 | - |
| Equitable |
702.76 | 702.76 | 702.76 | 702.76 | 702.76 | - |
| Manulife Investments |
688.63 | 688.63 | 688.63 | 688.63 | 688.63 | - |
| RBC Life Insurance |
687.63 | 687.63 | 687.63 | 687.63 | 687.63 | - |
| Sun Life Assurance |
671.46 | 671.46 | 671.46 | 671.46 | 671.46 | - |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
584.10 | 584.10 | 584.10 | 584.10 | - | - |
| Canada Life |
543.42 | 543.42 | 543.42 | 543.42 | - | - |
| Desjardins |
572.03 | 572.03 | 572.03 | 572.03 | - | - |
| Empire Life |
546.13 | 546.13 | 546.13 | 546.13 | - | - |
| Equitable |
579.55 | 579.55 | 579.55 | 579.55 | - | - |
| Manulife Investments |
574.03 | 574.03 | 574.03 | 574.03 | - | - |
| RBC Life Insurance |
559.28 | 559.28 | 559.28 | 559.28 | - | - |
| Sun Life Assurance |
540.31 | 540.31 | 540.31 | 540.31 | - | - |
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