Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of May 5, 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 |
1,751.31 | 1,751.31 | 1,751.31 | 1,751.31 | 1,751.31 | 1,751.31 |
 Canada Life |
1,745.08 | 1,745.08 | 1,745.08 | 1,745.08 | 1,745.08 | 1,745.08 |
 Desjardins |
1,718.60 | 1,718.60 | 1,718.60 | 1,718.60 | 1,718.60 | 1,718.60 |
 Equitable |
1,754.84 | 1,754.84 | 1,754.84 | 1,754.84 | 1,754.84 | 1,754.84 |
 Manulife Investments |
1,752.96 | 1,752.96 | 1,752.96 | 1,752.96 | 1,752.96 | 1,752.96 |
 RBC Life Insurance |
1,751.68 | 1,751.68 | 1,751.68 | 1,751.68 | 1,751.68 | 1,751.68 |
 Sun Life Assurance |
1,702.03 | 1,702.03 | 1,702.03 | 1,702.03 | 1,702.03 | 1,702.03 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
965.32 | 965.32 | 965.32 | 965.32 | 965.32 | 965.32 |
| Canada Life |
932.28 | 932.28 | 932.28 | 932.28 | 932.28 | 932.28 |
| Desjardins |
944.34 | 944.34 | 944.34 | 944.34 | 944.34 | 944.34 |
 Empire Life |
930.50 | 930.50 | 930.50 | 930.50 | 930.50 | 930.50 |
| Equitable |
965.68 | 965.68 | 965.68 | 965.68 | 965.68 | 965.68 |
| Manulife Investments |
956.79 | 956.79 | 956.79 | 956.79 | 956.79 | 956.79 |
| RBC Life Insurance |
959.28 | 959.28 | 959.28 | 959.28 | 959.28 | 959.28 |
| Sun Life Assurance |
934.35 | 934.35 | 934.35 | 934.35 | 934.35 | 934.35 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
710.42 | 710.42 | 710.42 | 710.42 | 710.42 | n/a |
| Canada Life |
679.32 | 679.32 | 679.32 | 679.32 | 679.32 | n/a |
| Desjardins |
704.09 | 704.09 | 704.09 | 704.09 | 704.09 | n/a |
| Empire Life |
686.98 | 686.98 | 686.98 | 686.98 | 686.98 | n/a |
| Equitable |
710.63 | 710.63 | 710.63 | 710.63 | 710.63 | n/a |
| Manulife Investments |
702.92 | 702.92 | 702.92 | 702.92 | 702.92 | n/a |
| RBC Life Insurance |
698.63 | 698.63 | 698.63 | 698.63 | 698.63 | n/a |
| Sun Life Assurance |
692.75 | 692.75 | 692.75 | 692.75 | 692.75 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
595.32 | 595.32 | 595.32 | 595.32 | n/a | n/a |
| Canada Life |
567.23 | 567.23 | 567.23 | 567.23 | n/a | n/a |
| Desjardins |
588.86 | 588.86 | 588.86 | 588.86 | n/a | n/a |
| Empire Life |
564.93 | 564.93 | 564.93 | 564.93 | n/a | n/a |
| Equitable |
595.74 | 595.74 | 595.74 | 595.74 | n/a | n/a |
| Manulife Investments |
589.09 | 589.09 | 589.09 | 589.09 | n/a | n/a |
| RBC Life Insurance |
570.84 | 570.84 | 570.84 | 570.84 | n/a | n/a |
| Sun Life Assurance |
560.46 | 560.46 | 560.46 | 560.46 | n/a | n/a |
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