Beneva
BMO Insurance
Canada Life
Desjardins Financial
Empire Life
Equitable Life
Great-West Life
Industrial Alliance
ivari
Manulife
RBC Insurance
Sun Life
Female Term Certain Annuity Rates
Female Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Sep 4, 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 | 1,729.46 | 1,729.46 | 1,729.46 | 1,729.46 | 1,729.46 | 1,729.46 |
| Desjardins Fin. | 1,712.46 | 1,712.46 | 1,712.46 | 1,712.46 | 1,712.46 | 1,712.46 |
| Equitable | 1,754.00 | 1,754.00 | 1,754.00 | 1,754.00 | 1,754.00 | 1,754.00 |
| Manulife | 1,750.39 | 1,750.39 | 1,750.39 | 1,750.39 | 1,750.39 | 1,750.39 |
| RBC Insurance | 1,749.46 | 1,749.46 | 1,749.46 | 1,749.46 | 1,749.46 | 1,749.46 |
| Sun Life | 1,691.49 | 1,691.49 | 1,691.49 | 1,691.49 | 1,691.49 | 1,691.49 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 974.70 | 974.70 | 974.70 | 974.70 | 974.70 | 974.70 |
| Canada Life | 921.63 | 921.63 | 921.63 | 921.63 | 921.63 | 921.63 |
| Desjardins Fin. | 942.20 | 942.20 | 942.20 | 942.20 | 942.20 | 942.20 |
| Empire Life | 924.10 | 924.10 | 924.10 | 924.10 | 924.10 | 924.10 |
| Equitable | 974.95 | 974.95 | 974.95 | 974.95 | 974.95 | 974.95 |
| Manulife | 956.27 | 956.27 | 956.27 | 956.27 | 956.27 | 956.27 |
| RBC Insurance | 957.08 | 957.08 | 957.08 | 957.08 | 957.08 | 957.08 |
| Sun Life | 926.15 | 926.15 | 926.15 | 926.15 | 926.15 | 926.15 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 724.65 | 724.65 | 724.65 | 724.65 | 724.65 | n/a |
| Canada Life | 670.94 | 670.94 | 670.94 | 670.94 | 670.94 | n/a |
| Desjardins Fin. | 706.38 | 706.38 | 706.38 | 706.38 | 706.38 | n/a |
| Empire Life | 684.73 | 684.73 | 684.73 | 684.73 | 684.73 | n/a |
| Equitable | 725.08 | 725.08 | 725.08 | 725.08 | 725.08 | n/a |
| Manulife | 703.99 | 703.99 | 703.99 | 703.99 | 703.99 | n/a |
| RBC Insurance | 696.30 | 696.30 | 696.30 | 696.30 | 696.30 | n/a |
| Sun Life | 689.07 | 689.07 | 689.07 | 689.07 | 689.07 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 599.91 | 599.91 | 599.91 | 599.91 | n/a | n/a |
| Canada Life | 561.30 | 561.30 | 561.30 | 561.30 | n/a | n/a |
| Desjardins Fin. | 593.71 | 593.71 | 593.71 | 593.71 | n/a | n/a |
| Empire Life | 562.67 | 562.67 | 562.67 | 562.67 | n/a | n/a |
| Equitable | 600.18 | 600.18 | 600.18 | 600.18 | n/a | n/a |
| Manulife | 590.87 | 590.87 | 590.87 | 590.87 | n/a | n/a |
| RBC Insurance | 568.40 | 568.40 | 568.40 | 568.40 | n/a | n/a |
| Sun Life | 560.42 | 560.42 | 560.42 | 560.42 | n/a | n/a |
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