Male Term Certain Annuity Rates

Male Term Certain Annuity

Male Term Certain Comparison Tables

The following Canadian term certain annuity rates are as of Oct 6, 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 1,719.20 1,719.20 1,719.20 1,719.20 1,719.20 1,719.20
Desjardins Fin. 1,704.26 1,704.26 1,704.26 1,704.26 1,704.26 1,704.26
Equitable 1,750.65 1,750.65 1,750.65 1,750.65 1,750.65 1,750.65
Manulife 1,738.88 1,738.88 1,738.88 1,738.88 1,738.88 1,738.88
RBC Insurance 1,740.54 1,740.54 1,740.54 1,740.54 1,740.54 1,740.54
Sun Life 1,684.56 1,684.56 1,684.56 1,684.56 1,684.56 1,684.56

10 Year Term Certain

Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 963.74 963.74 963.74 963.74 963.74 963.74
Canada Life 911.05 911.05 911.05 911.05 911.05 911.05
Desjardins Fin. 931.52 931.52 931.52 931.52 931.52 931.52
Empire Life 915.57 915.57 915.57 915.57 915.57 915.57
Equitable 966.12 966.12 966.12 966.12 966.12 966.12
Manulife 943.38 943.38 943.38 943.38 943.38 943.38
RBC Insurance 947.57 947.57 947.57 947.57 947.57 947.57
Sun Life 916.92 916.92 916.92 916.92 916.92 916.92

15 Year Term Certain

Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 713.01 713.01 713.01 713.01 713.01 n/a
Canada Life 662.55 662.55 662.55 662.55 662.55 n/a
Desjardins Fin. 692.73 692.73 692.73 692.73 692.73 n/a
Empire Life 675.70 675.70 675.70 675.70 675.70 n/a
Equitable 708.31 708.31 708.31 708.31 708.31 n/a
Manulife 690.25 690.25 690.25 690.25 690.25 n/a
RBC Insurance 686.29 686.29 686.29 686.29 686.29 n/a
Sun Life 677.20 677.20 677.20 677.20 677.20 n/a

20 Year Term Certain

Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 587.62 587.62 587.62 587.62 n/a n/a
Canada Life 555.37 555.37 555.37 555.37 n/a n/a
Desjardins Fin. 579.21 579.21 579.21 579.21 n/a n/a
Empire Life 550.82 550.82 550.82 550.82 n/a n/a
Equitable 581.50 581.50 581.50 581.50 n/a n/a
Manulife 576.83 576.83 576.83 576.83 n/a n/a
RBC Insurance 557.88 557.88 557.88 557.88 n/a n/a
Sun Life 547.37 547.37 547.37 547.37 n/a n/a

© 2025 Life Annuities.com Inc. All rights reserved. Update Tables

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