Female Term Certain Annuity Rates
Female Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Jun 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 |
1,750.10 | 1,750.10 | 1,750.10 | 1,750.10 | 1,750.10 | 1,750.10 |
 Canada Life |
1,739.71 | 1,739.71 | 1,739.71 | 1,739.71 | 1,739.71 | 1,739.71 |
 Desjardins |
1,716.56 | 1,716.56 | 1,716.56 | 1,716.56 | 1,716.56 | 1,716.56 |
 Equitable |
1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 |
 Manulife Investments |
1,759.13 | 1,759.13 | 1,759.13 | 1,759.13 | 1,759.13 | 1,759.13 |
 RBC Life Insurance |
1,747.01 | 1,747.01 | 1,747.01 | 1,747.01 | 1,747.01 | 1,747.01 |
 Sun Life Assurance |
1,701.51 | 1,701.51 | 1,701.51 | 1,701.51 | 1,701.51 | 1,701.51 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
966.63 | 966.63 | 966.63 | 966.63 | 966.63 | 966.63 |
| Canada Life |
924.18 | 924.18 | 924.18 | 924.18 | 924.18 | 924.18 |
| Desjardins |
942.20 | 942.20 | 942.20 | 942.20 | 942.20 | 942.20 |
 Empire Life |
928.37 | 928.37 | 928.37 | 928.37 | 928.37 | 928.37 |
| Equitable |
967.88 | 967.88 | 967.88 | 967.88 | 967.88 | 967.88 |
| Manulife Investments |
963.02 | 963.02 | 963.02 | 963.02 | 963.02 | 963.02 |
| RBC Life Insurance |
954.37 | 954.37 | 954.37 | 954.37 | 954.37 | 954.37 |
| Sun Life Assurance |
932.58 | 932.58 | 932.58 | 932.58 | 932.58 | 932.58 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
711.35 | 711.35 | 711.35 | 711.35 | 711.35 | n/a |
| Canada Life |
670.80 | 670.80 | 670.80 | 670.80 | 670.80 | n/a |
| Desjardins |
699.54 | 699.54 | 699.54 | 699.54 | 699.54 | n/a |
| Empire Life |
684.73 | 684.73 | 684.73 | 684.73 | 684.73 | n/a |
| Equitable |
713.42 | 713.42 | 713.42 | 713.42 | 713.42 | n/a |
| Manulife Investments |
708.26 | 708.26 | 708.26 | 708.26 | 708.26 | n/a |
| RBC Life Insurance |
693.45 | 693.45 | 693.45 | 693.45 | 693.45 | n/a |
| Sun Life Assurance |
689.03 | 689.03 | 689.03 | 689.03 | 689.03 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
596.36 | 596.36 | 596.36 | 596.36 | n/a | n/a |
| Canada Life |
555.18 | 555.18 | 555.18 | 555.18 | n/a | n/a |
| Desjardins |
584.03 | 584.03 | 584.03 | 584.03 | n/a | n/a |
| Empire Life |
562.55 | 562.55 | 562.55 | 562.55 | n/a | n/a |
| Equitable |
598.70 | 598.70 | 598.70 | 598.70 | n/a | n/a |
| Manulife Investments |
593.39 | 593.39 | 593.39 | 593.39 | n/a | n/a |
| RBC Life Insurance |
565.39 | 565.39 | 565.39 | 565.39 | n/a | n/a |
| Sun Life Assurance |
555.66 | 555.66 | 555.66 | 555.66 | n/a | n/a |
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