Male Term Certain Annuity Rates

Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Sep 4, 2025.
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 | 1,740.26 | 1,740.26 | 1,740.26 | 1,740.26 | 1,740.26 | 1,740.26 |
Canada Life | 1,729.45 | 1,729.45 | 1,729.45 | 1,729.45 | 1,729.45 | 1,729.45 |
Desjardins Fin. | 1,712.45 | 1,712.45 | 1,712.45 | 1,712.45 | 1,712.45 | 1,712.45 |
Equitable | 1,754.00 | 1,754.00 | 1,754.00 | 1,754.00 | 1,754.00 | 1,754.00 |
Manulife | 1,750.38 | 1,750.38 | 1,750.38 | 1,750.38 | 1,750.38 | 1,750.38 |
RBC Insurance | 1,749.46 | 1,749.46 | 1,749.46 | 1,749.46 | 1,749.46 | 1,749.46 |
Sun Life | 1,691.49 | 1,691.49 | 1,691.49 | 1,691.49 | 1,691.49 | 1,691.49 |
10 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 974.70 | 974.70 | 974.70 | 974.70 | 974.70 | 974.70 |
Canada Life | 921.62 | 921.62 | 921.62 | 921.62 | 921.62 | 921.62 |
Desjardins Fin. | 942.20 | 942.20 | 942.20 | 942.20 | 942.20 | 942.20 |
Empire Life | 924.09 | 924.09 | 924.09 | 924.09 | 924.09 | 924.09 |
Equitable | 974.95 | 974.95 | 974.95 | 974.95 | 974.95 | 974.95 |
Manulife | 956.26 | 956.26 | 956.26 | 956.26 | 956.26 | 956.26 |
RBC Insurance | 957.08 | 957.08 | 957.08 | 957.08 | 957.08 | 957.08 |
Sun Life | 926.15 | 926.15 | 926.15 | 926.15 | 926.15 | 926.15 |
15 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 724.65 | 724.65 | 724.65 | 724.65 | 724.65 | n/a |
Canada Life | 670.94 | 670.94 | 670.94 | 670.94 | 670.94 | n/a |
Desjardins Fin. | 706.37 | 706.37 | 706.37 | 706.37 | 706.37 | n/a |
Empire Life | 689.25 | 689.25 | 689.25 | 689.25 | 689.25 | n/a |
Equitable | 725.08 | 725.08 | 725.08 | 725.08 | 725.08 | n/a |
Manulife | 703.99 | 703.99 | 703.99 | 703.99 | 703.99 | n/a |
RBC Insurance | 696.30 | 696.30 | 696.30 | 696.30 | 696.30 | n/a |
Sun Life | 689.07 | 689.07 | 689.07 | 689.07 | 689.07 | n/a |
20 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 599.91 | 599.91 | 599.91 | 599.91 | n/a | n/a |
Canada Life | 561.30 | 561.30 | 561.30 | 561.30 | n/a | n/a |
Desjardins Fin. | 593.71 | 593.71 | 593.71 | 593.71 | n/a | n/a |
Empire Life | 562.67 | 562.67 | 562.67 | 562.67 | n/a | n/a |
Equitable | 600.18 | 600.18 | 600.18 | 600.18 | n/a | n/a |
Manulife | 590.87 | 590.87 | 590.87 | 590.87 | n/a | n/a |
RBC Insurance | 568.40 | 568.40 | 568.40 | 568.40 | n/a | n/a |
Sun Life | 560.42 | 560.42 | 560.42 | 560.42 | n/a | n/a |
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