Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Feb 4, 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.
5 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 1,747.94 | 1,747.94 | 1,747.94 | 1,747.94 | 1,747.94 | 1,747.94 |
| Canada Life | 1,726.52 | 1,726.52 | 1,726.52 | 1,726.52 | 1,726.52 | 1,726.52 |
| Desjardins Fin. | 1,708.35 | 1,708.35 | 1,708.35 | 1,708.35 | 1,708.35 | 1,708.35 |
| Equitable | 1,749.81 | 1,749.81 | 1,749.81 | 1,749.81 | 1,749.81 | 1,749.81 |
| Manulife | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 |
| RBC Insurance | 1,751.06 | 1,751.06 | 1,751.06 | 1,751.06 | 1,751.06 | 1,751.06 |
| Sun Life | 1,691.23 | 1,691.23 | 1,691.23 | 1,691.23 | 1,691.23 | 1,691.23 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 965.75 | 965.75 | 965.75 | 965.75 | 965.75 | 965.75 |
| Canada Life | 916.05 | 916.05 | 916.05 | 916.05 | 916.05 | 916.05 |
| Desjardins Fin. | 935.78 | 935.78 | 935.78 | 935.78 | 935.78 | 935.78 |
| Empire Life | 919.83 | 919.83 | 919.83 | 919.83 | 919.83 | 919.83 |
| Equitable | 966.12 | 966.12 | 966.12 | 966.12 | 966.12 | 966.12 |
| Manulife | 951.03 | 951.03 | 951.03 | 951.03 | 951.03 | 951.03 |
| RBC Insurance | 958.63 | 958.63 | 958.63 | 958.63 | 958.63 | 958.63 |
| Sun Life | 926.09 | 926.09 | 926.09 | 926.09 | 926.09 | 926.09 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 714.13 | 714.13 | 714.13 | 714.13 | 714.13 | n/a |
| Canada Life | 667.90 | 667.90 | 667.90 | 667.90 | 667.90 | n/a |
| Desjardins Fin. | 697.26 | 697.26 | 697.26 | 697.26 | 697.26 | n/a |
| Empire Life | 680.20 | 680.20 | 680.20 | 680.20 | 680.20 | n/a |
| Equitable | 714.35 | 714.35 | 714.35 | 714.35 | 714.35 | n/a |
| Manulife | 697.59 | 697.59 | 697.59 | 697.59 | 697.59 | n/a |
| RBC Insurance | 697.94 | 697.94 | 697.94 | 697.94 | 697.94 | n/a |
| Sun Life | 684.82 | 684.82 | 684.82 | 684.82 | 684.82 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 589.43 | 589.43 | 589.43 | 589.43 | n/a | n/a |
| Canada Life | 555.12 | 555.12 | 555.12 | 555.12 | n/a | n/a |
| Desjardins Fin. | 581.62 | 581.62 | 581.62 | 581.62 | n/a | n/a |
| Empire Life | 555.55 | 555.55 | 555.55 | 555.55 | n/a | n/a |
| Equitable | 589.83 | 589.83 | 589.83 | 589.83 | n/a | n/a |
| Manulife | 583.50 | 583.50 | 583.50 | 583.50 | n/a | n/a |
| RBC Insurance | 570.11 | 570.11 | 570.11 | 570.11 | n/a | n/a |
| Sun Life | 553.45 | 553.45 | 553.45 | 553.45 | n/a | n/a |
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