Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Jan 5, 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 | 1,740.01 | 1,740.01 | 1,740.01 | 1,740.01 | 1,740.01 | 1,740.01 |
| Canada Life | 1,729.54 | 1,729.54 | 1,729.54 | 1,729.54 | 1,729.54 | 1,729.54 |
| Desjardins Fin. | 1,708.35 | 1,708.35 | 1,708.35 | 1,708.35 | 1,708.35 | 1,708.35 |
| Equitable | 1,749.39 | 1,749.39 | 1,749.39 | 1,749.39 | 1,749.39 | 1,749.39 |
| Manulife | 1,747.95 | 1,747.95 | 1,747.95 | 1,747.95 | 1,747.95 | 1,747.95 |
| RBC Insurance | 1,749.47 | 1,749.47 | 1,749.47 | 1,749.47 | 1,749.47 | 1,749.47 |
| Sun Life | 1,693.12 | 1,693.12 | 1,693.12 | 1,693.12 | 1,693.12 | 1,693.12 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 964.48 | 964.48 | 964.48 | 964.48 | 964.48 | 964.48 |
| Canada Life | 919.00 | 919.00 | 919.00 | 919.00 | 919.00 | 919.00 |
| Desjardins Fin. | 937.92 | 937.92 | 937.92 | 937.92 | 937.92 | 937.92 |
| Empire Life | 921.96 | 921.96 | 921.96 | 921.96 | 921.96 | 921.96 |
| Equitable | 964.80 | 964.80 | 964.80 | 964.80 | 964.80 | 964.80 |
| Manulife | 954.07 | 954.07 | 954.07 | 954.07 | 954.07 | 954.07 |
| RBC Insurance | 956.97 | 956.97 | 956.97 | 956.97 | 956.97 | 956.97 |
| Sun Life | 928.51 | 928.51 | 928.51 | 928.51 | 928.51 | 928.51 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 713.25 | 713.25 | 713.25 | 713.25 | 713.25 | n/a |
| Canada Life | 670.94 | 670.94 | 670.94 | 670.94 | 670.94 | n/a |
| Desjardins Fin. | 697.26 | 697.26 | 697.26 | 697.26 | 697.26 | n/a |
| Empire Life | 684.72 | 684.72 | 684.72 | 684.72 | 684.72 | n/a |
| Equitable | 713.42 | 713.42 | 713.42 | 713.42 | 713.42 | n/a |
| Manulife | 700.62 | 700.62 | 700.62 | 700.62 | 700.62 | n/a |
| RBC Insurance | 696.18 | 696.18 | 696.18 | 696.18 | 696.18 | n/a |
| Sun Life | 687.52 | 687.52 | 687.52 | 687.52 | 687.52 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 588.55 | 588.55 | 588.55 | 588.55 | n/a | n/a |
| Canada Life | 561.29 | 561.29 | 561.29 | 561.29 | n/a | n/a |
| Desjardins Fin. | 584.03 | 584.03 | 584.03 | 584.03 | n/a | n/a |
| Empire Life | 560.29 | 560.29 | 560.29 | 560.29 | n/a | n/a |
| Equitable | 588.85 | 588.85 | 588.85 | 588.85 | n/a | n/a |
| Manulife | 586.48 | 586.48 | 586.48 | 586.48 | n/a | n/a |
| RBC Insurance | 568.26 | 568.26 | 568.26 | 568.26 | n/a | n/a |
| Sun Life | 556.12 | 556.12 | 556.12 | 556.12 | n/a | n/a |
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