Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Nov 3, 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 |
1,764.20 | 1,764.20 | 1,764.20 | 1,764.20 | 1,764.20 | 1,764.20 |
 Canada Life |
1,752.65 | 1,752.65 | 1,752.65 | 1,752.65 | 1,752.65 | 1,752.65 |
 Desjardins |
1,739.14 | 1,739.14 | 1,739.14 | 1,739.14 | 1,739.14 | 1,739.14 |
 Equitable |
1,771.61 | 1,771.61 | 1,771.61 | 1,771.61 | 1,771.61 | 1,771.61 |
 Manulife Investments |
1,774.73 | 1,774.73 | 1,774.73 | 1,774.73 | 1,774.73 | 1,774.73 |
 RBC Life Insurance |
1,763.40 | 1,763.40 | 1,763.40 | 1,763.40 | 1,763.40 | 1,763.40 |
 Sun Life Assurance |
1,725.12 | 1,725.12 | 1,725.12 | 1,725.12 | 1,725.12 | 1,725.12 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
986.25 | 986.25 | 986.25 | 986.25 | 986.25 | 986.25 |
| Canada Life |
934.80 | 934.80 | 934.80 | 934.80 | 934.80 | 934.80 |
| Desjardins |
961.56 | 961.56 | 961.56 | 961.56 | 961.56 | 961.56 |
 Empire Life |
945.54 | 945.54 | 945.54 | 945.54 | 945.54 | 945.54 |
| Equitable |
986.92 | 986.92 | 986.92 | 986.92 | 986.92 | 986.92 |
| Manulife Investments |
977.87 | 977.87 | 977.87 | 977.87 | 977.87 | 977.87 |
| RBC Life Insurance |
971.65 | 971.65 | 971.65 | 971.65 | 971.65 | 971.65 |
| Sun Life Assurance |
953.24 | 953.24 | 953.24 | 953.24 | 953.24 | 953.24 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
728.77 | 728.77 | 728.77 | 728.77 | 728.77 | n/a |
| Canada Life |
684.82 | 684.82 | 684.82 | 684.82 | 684.82 | n/a |
| Desjardins |
720.14 | 720.14 | 720.14 | 720.14 | 720.14 | n/a |
| Empire Life |
702.93 | 702.93 | 702.93 | 702.93 | 702.93 | n/a |
| Equitable |
729.29 | 729.29 | 729.29 | 729.29 | 729.29 | n/a |
| Manulife Investments |
722.69 | 722.69 | 722.69 | 722.69 | 722.69 | n/a |
| RBC Life Insurance |
711.70 | 711.70 | 711.70 | 711.70 | 711.70 | n/a |
| Sun Life Assurance |
707.59 | 707.59 | 707.59 | 707.59 | 707.59 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
611.71 | 611.71 | 611.71 | 611.71 | n/a | n/a |
| Canada Life |
567.07 | 567.07 | 567.07 | 567.07 | n/a | n/a |
| Desjardins |
603.47 | 603.47 | 603.47 | 603.47 | n/a | n/a |
| Empire Life |
579.45 | 579.45 | 579.45 | 579.45 | n/a | n/a |
| Equitable |
612.61 | 612.61 | 612.61 | 612.61 | n/a | n/a |
| Manulife Investments |
607.87 | 607.87 | 607.87 | 607.87 | n/a | n/a |
| RBC Life Insurance |
584.61 | 584.61 | 584.61 | 584.61 | n/a | n/a |
| Sun Life Assurance |
572.75 | 572.75 | 572.75 | 572.75 | n/a | n/a |
© 2026 Life Annuities.com Inc. All rights reserved. Update Tables
