Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Aug 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.
Updated:
5 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
 BMO Insurance |
1,752.10 | 1,752.10 | 1,752.10 | 1,752.10 | 1,752.10 | 1,752.10 |
 Canada Life |
1,742.45 | 1,742.45 | 1,742.45 | 1,742.45 | 1,742.45 | 1,742.45 |
 Desjardins |
1,720.65 | 1,720.65 | 1,720.65 | 1,720.65 | 1,720.65 | 1,720.65 |
 Equitable |
1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 |
 Manulife Investments |
1,758.40 | 1,758.40 | 1,758.40 | 1,758.40 | 1,758.40 | 1,758.40 |
 RBC Life Insurance |
1,753.91 | 1,753.91 | 1,753.91 | 1,753.91 | 1,753.91 | 1,753.91 |
 Sun Life Assurance |
1,705.99 | 1,705.99 | 1,705.99 | 1,705.99 | 1,705.99 | 1,705.99 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
971.28 | 971.28 | 971.28 | 971.28 | 971.28 | 971.28 |
| Canada Life |
932.24 | 932.24 | 932.24 | 932.24 | 932.24 | 932.24 |
| Desjardins |
946.49 | 946.49 | 946.49 | 946.49 | 946.49 | 946.49 |
 Empire Life |
928.36 | 928.36 | 928.36 | 928.36 | 928.36 | 928.36 |
| Equitable |
971.85 | 971.85 | 971.85 | 971.85 | 971.85 | 971.85 |
| Manulife Investments |
962.12 | 962.12 | 962.12 | 962.12 | 962.12 | 962.12 |
| RBC Life Insurance |
961.64 | 961.64 | 961.64 | 961.64 | 961.64 | 961.64 |
| Sun Life Assurance |
937.55 | 937.55 | 937.55 | 937.55 | 937.55 | 937.55 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
717.01 | 717.01 | 717.01 | 717.01 | 717.01 | n/a |
| Canada Life |
682.13 | 682.13 | 682.13 | 682.13 | 682.13 | n/a |
| Desjardins |
706.37 | 706.37 | 706.37 | 706.37 | 706.37 | n/a |
| Empire Life |
686.98 | 686.98 | 686.98 | 686.98 | 686.98 | n/a |
| Equitable |
717.60 | 717.60 | 717.60 | 717.60 | 717.60 | n/a |
| Manulife Investments |
707.51 | 707.51 | 707.51 | 707.51 | 707.51 | n/a |
| RBC Life Insurance |
701.12 | 701.12 | 701.12 | 701.12 | 701.12 | n/a |
| Sun Life Assurance |
693.71 | 693.71 | 693.71 | 693.71 | 693.71 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
597.29 | 597.29 | 597.29 | 597.29 | n/a | n/a |
| Canada Life |
567.18 | 567.18 | 567.18 | 567.18 | n/a | n/a |
| Desjardins |
591.28 | 591.28 | 591.28 | 591.28 | n/a | n/a |
| Empire Life |
562.67 | 562.67 | 562.67 | 562.67 | n/a | n/a |
| Equitable |
597.71 | 597.71 | 597.71 | 597.71 | n/a | n/a |
| Manulife Investments |
593.16 | 593.16 | 593.16 | 593.16 | n/a | n/a |
| RBC Life Insurance |
573.46 | 573.46 | 573.46 | 573.46 | n/a | n/a |
| Sun Life Assurance |
560.08 | 560.08 | 560.08 | 560.08 | n/a | n/a |
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