Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Oct 1, 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 |
1,759.67 | 1,759.67 | 1,759.67 | 1,759.67 | 1,759.67 | 1,759.67 |
 Canada Life |
1,758.06 | 1,758.06 | 1,758.06 | 1,758.06 | 1,758.06 | 1,758.06 |
 Desjardins |
1,739.14 | 1,739.14 | 1,739.14 | 1,739.14 | 1,739.14 | 1,739.14 |
 Equitable |
1,774.55 | 1,774.55 | 1,774.55 | 1,774.55 | 1,774.55 | 1,774.55 |
 Manulife Investments |
1,772.95 | 1,772.95 | 1,772.95 | 1,772.95 | 1,772.95 | 1,772.95 |
 RBC Life Insurance |
1,770.00 | 1,770.00 | 1,770.00 | 1,770.00 | 1,770.00 | 1,770.00 |
 Sun Life Assurance |
1,730.15 | 1,730.15 | 1,730.15 | 1,730.15 | 1,730.15 | 1,730.15 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
982.81 | 982.81 | 982.81 | 982.81 | 982.81 | 982.81 |
| Canada Life |
945.67 | 945.67 | 945.67 | 945.67 | 945.67 | 945.67 |
| Desjardins |
963.72 | 963.72 | 963.72 | 963.72 | 963.72 | 963.72 |
 Empire Life |
943.38 | 943.38 | 943.38 | 943.38 | 943.38 | 943.38 |
| Equitable |
983.81 | 983.81 | 983.81 | 983.81 | 983.81 | 983.81 |
| Manulife Investments |
975.86 | 975.86 | 975.86 | 975.86 | 975.86 | 975.86 |
| RBC Life Insurance |
981.19 | 981.19 | 981.19 | 981.19 | 981.19 | 981.19 |
| Sun Life Assurance |
961.14 | 961.14 | 961.14 | 961.14 | 961.14 | 961.14 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
726.20 | 726.20 | 726.20 | 726.20 | 726.20 | n/a |
| Canada Life |
696.32 | 696.32 | 696.32 | 696.32 | 696.32 | n/a |
| Desjardins |
722.44 | 722.44 | 722.44 | 722.44 | 722.44 | n/a |
| Empire Life |
700.64 | 700.64 | 700.64 | 700.64 | 700.64 | n/a |
| Equitable |
726.95 | 726.95 | 726.95 | 726.95 | 726.95 | n/a |
| Manulife Investments |
720.70 | 720.70 | 720.70 | 720.70 | 720.70 | n/a |
| RBC Life Insurance |
721.81 | 721.81 | 721.81 | 721.81 | 721.81 | n/a |
| Sun Life Assurance |
717.06 | 717.06 | 717.06 | 717.06 | 717.06 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
606.64 | 606.64 | 606.64 | 606.64 | n/a | n/a |
| Canada Life |
579.24 | 579.24 | 579.24 | 579.24 | n/a | n/a |
| Desjardins |
605.92 | 605.92 | 605.92 | 605.92 | n/a | n/a |
| Empire Life |
577.04 | 577.04 | 577.04 | 577.04 | n/a | n/a |
| Equitable |
609.62 | 609.62 | 609.62 | 609.62 | n/a | n/a |
| Manulife Investments |
605.74 | 605.74 | 605.74 | 605.74 | n/a | n/a |
| RBC Life Insurance |
595.28 | 595.28 | 595.28 | 595.28 | n/a | n/a |
| Sun Life Assurance |
583.03 | 583.03 | 583.03 | 583.03 | n/a | n/a |
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