Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Jul 2, 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 |
1,748.19 | 1,748.19 | 1,748.19 | 1,748.19 | 1,748.19 | 1,748.19 |
 Canada Life |
1,732.07 | 1,732.07 | 1,732.07 | 1,732.07 | 1,732.07 | 1,732.07 |
 Desjardins |
1,712.45 | 1,712.45 | 1,712.45 | 1,712.45 | 1,712.45 | 1,712.45 |
 Equitable |
1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 |
 Manulife Investments |
1,750.80 | 1,750.80 | 1,750.80 | 1,750.80 | 1,750.80 | 1,750.80 |
 RBC Life Insurance |
1,744.52 | 1,744.52 | 1,744.52 | 1,744.52 | 1,744.52 | 1,744.52 |
 Sun Life Assurance |
1,700.13 | 1,700.13 | 1,700.13 | 1,700.13 | 1,700.13 | 1,700.13 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
965.19 | 965.19 | 965.19 | 965.19 | 965.19 | 965.19 |
| Canada Life |
918.91 | 918.91 | 918.91 | 918.91 | 918.91 | 918.91 |
| Desjardins |
937.92 | 937.92 | 937.92 | 937.92 | 937.92 | 937.92 |
 Empire Life |
926.23 | 926.23 | 926.23 | 926.23 | 926.23 | 926.23 |
| Equitable |
967.88 | 967.88 | 967.88 | 967.88 | 967.88 | 967.88 |
| Manulife Investments |
954.28 | 954.28 | 954.28 | 954.28 | 954.28 | 954.28 |
| RBC Life Insurance |
951.76 | 951.76 | 951.76 | 951.76 | 951.76 | 951.76 |
| Sun Life Assurance |
931.53 | 931.53 | 931.53 | 931.53 | 931.53 | 931.53 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
713.43 | 713.43 | 713.43 | 713.43 | 713.43 | n/a |
| Canada Life |
668.01 | 668.01 | 668.01 | 668.01 | 668.01 | n/a |
| Desjardins |
697.26 | 697.26 | 697.26 | 697.26 | 697.26 | n/a |
| Empire Life |
682.46 | 682.46 | 682.46 | 682.46 | 682.46 | n/a |
| Equitable |
713.88 | 713.88 | 713.88 | 713.88 | 713.88 | n/a |
| Manulife Investments |
699.51 | 699.51 | 699.51 | 699.51 | 699.51 | n/a |
| RBC Life Insurance |
690.69 | 690.69 | 690.69 | 690.69 | 690.69 | n/a |
| Sun Life Assurance |
688.11 | 688.11 | 688.11 | 688.11 | 688.11 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
593.75 | 593.75 | 593.75 | 593.75 | n/a | n/a |
| Canada Life |
552.22 | 552.22 | 552.22 | 552.22 | n/a | n/a |
| Desjardins |
581.62 | 581.62 | 581.62 | 581.62 | n/a | n/a |
| Empire Life |
560.17 | 560.17 | 560.17 | 560.17 | n/a | n/a |
| Equitable |
587.87 | 587.87 | 587.87 | 587.87 | n/a | n/a |
| Manulife Investments |
584.46 | 584.46 | 584.46 | 584.46 | n/a | n/a |
| RBC Life Insurance |
562.50 | 562.50 | 562.50 | 562.50 | n/a | n/a |
| Sun Life Assurance |
554.91 | 554.91 | 554.91 | 554.91 | n/a | n/a |
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