Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Mar 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.
5 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 | 1,745.32 |
| Canada Life | 1,719.12 | 1,719.12 | 1,719.12 | 1,719.12 | 1,719.12 | 1,719.12 |
| Desjardins Fin. | 1,700.17 | 1,700.17 | 1,700.17 | 1,700.17 | 1,700.17 | 1,700.17 |
| Equitable | 1,745.63 | 1,745.63 | 1,745.63 | 1,745.63 | 1,745.63 | 1,745.63 |
| Manulife | 1,738.50 | 1,738.50 | 1,738.50 | 1,738.50 | 1,738.50 | 1,738.50 |
| RBC Insurance | 1,741.75 | 1,741.75 | 1,741.75 | 1,741.75 | 1,741.75 | 1,741.75 |
| Sun Life | 1,679.89 | 1,679.89 | 1,679.89 | 1,679.89 | 1,679.89 | 1,679.89 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 959.02 | 959.02 | 959.02 | 959.02 | 959.02 | 959.02 |
| Canada Life | 905.67 | 905.67 | 905.67 | 905.67 | 905.67 | 905.67 |
| Desjardins Fin. | 927.26 | 927.26 | 927.26 | 927.26 | 927.26 | 927.26 |
| Empire Life | 911.32 | 911.32 | 911.32 | 911.32 | 911.32 | 911.32 |
| Equitable | 959.08 | 959.08 | 959.08 | 959.08 | 959.08 | 959.08 |
| Manulife | 942.84 | 942.84 | 942.84 | 942.84 | 942.84 | 942.84 |
| RBC Insurance | 948.84 | 948.84 | 948.84 | 948.84 | 948.84 | 948.84 |
| Sun Life | 913.08 | 913.08 | 913.08 | 913.08 | 913.08 | 913.08 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 702.57 | 702.57 | 702.57 | 702.57 | 702.57 | n/a |
| Canada Life | 656.89 | 656.89 | 656.89 | 656.89 | 656.89 | n/a |
| Desjardins Fin. | 688.21 | 688.21 | 688.21 | 688.21 | 688.21 | n/a |
| Empire Life | 671.21 | 671.21 | 671.21 | 671.21 | 671.21 | n/a |
| Equitable | 702.76 | 702.76 | 702.76 | 702.76 | 702.76 | n/a |
| Manulife | 688.63 | 688.63 | 688.63 | 688.63 | 688.63 | n/a |
| RBC Insurance | 687.63 | 687.63 | 687.63 | 687.63 | 687.63 | n/a |
| Sun Life | 671.46 | 671.46 | 671.46 | 671.46 | 671.46 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 584.10 | 584.10 | 584.10 | 584.10 | n/a | n/a |
| Canada Life | 543.42 | 543.42 | 543.42 | 543.42 | n/a | n/a |
| Desjardins Fin. | 572.02 | 572.02 | 572.02 | 572.02 | n/a | n/a |
| Empire Life | 546.12 | 546.12 | 546.12 | 546.12 | n/a | n/a |
| Equitable | 579.55 | 579.55 | 579.55 | 579.55 | n/a | n/a |
| Manulife | 574.03 | 574.03 | 574.03 | 574.03 | n/a | n/a |
| RBC Insurance | 559.28 | 559.28 | 559.28 | 559.28 | n/a | n/a |
| Sun Life | 540.31 | 540.31 | 540.31 | 540.31 | n/a | n/a |
© 2026 Life Annuities.com Inc. All rights reserved. Update Tables