Male Term Certain Annuity Rates

Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of May 2, 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 | 1,729.65 | 1,729.65 | 1,729.65 | 1,729.65 | 1,729.65 | 1,729.65 |
Desjardins Fin. | 1,714.50 | 1,714.50 | 1,714.50 | 1,714.50 | 1,714.50 | 1,714.50 |
Equitable | 1,754.42 | 1,754.42 | 1,754.42 | 1,754.42 | 1,754.42 | 1,754.42 |
Manulife | 1,750.31 | 1,750.31 | 1,750.31 | 1,750.31 | 1,750.31 | 1,750.31 |
RBC Insurance | 1,739.28 | 1,739.28 | 1,739.28 | 1,739.28 | 1,739.28 | 1,739.28 |
Sun Life | 1,686.10 | 1,686.10 | 1,686.10 | 1,686.10 | 1,686.10 | 1,686.10 |
10 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 960.03 | 960.03 | 960.03 | 960.03 | 960.03 | 960.03 |
Canada Life | 916.44 | 916.44 | 916.44 | 916.44 | 916.44 | 916.44 |
Desjardins Fin. | 942.20 | 942.20 | 942.20 | 942.20 | 942.20 | 942.20 |
Empire Life | 921.96 | 921.96 | 921.96 | 921.96 | 921.96 | 921.96 |
Equitable | 960.84 | 960.84 | 960.84 | 960.84 | 960.84 | 960.84 |
Manulife | 953.10 | 953.10 | 953.10 | 953.10 | 953.10 | 953.10 |
RBC Insurance | 946.26 | 946.26 | 946.26 | 946.26 | 946.26 | 946.26 |
Sun Life | 918.31 | 918.31 | 918.31 | 918.31 | 918.31 | 918.31 |
15 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 713.94 | 713.94 | 713.94 | 713.94 | 713.94 | n/a |
Canada Life | 668.24 | 668.24 | 668.24 | 668.24 | 668.24 | n/a |
Desjardins Fin. | 701.81 | 701.81 | 701.81 | 701.81 | 701.81 | n/a |
Empire Life | 682.46 | 682.46 | 682.46 | 682.46 | 682.46 | n/a |
Equitable | 706.46 | 706.46 | 706.46 | 706.46 | 706.46 | n/a |
Manulife | 698.52 | 698.52 | 698.52 | 698.52 | 698.52 | n/a |
RBC Insurance | 684.91 | 684.91 | 684.91 | 684.91 | 684.91 | n/a |
Sun Life | 676.30 | 676.30 | 676.30 | 676.30 | 676.30 | n/a |
20 Year Term Certain
Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
---|---|---|---|---|---|---|
BMO Insurance | 589.33 | 589.33 | 589.33 | 589.33 | n/a | n/a |
Canada Life | 558.41 | 558.41 | 558.41 | 558.41 | n/a | n/a |
Desjardins Fin. | 586.44 | 586.44 | 586.44 | 586.44 | n/a | n/a |
Empire Life | 557.79 | 557.79 | 557.79 | 557.79 | n/a | n/a |
Equitable | 590.32 | 590.32 | 590.32 | 590.32 | n/a | n/a |
Manulife | 582.98 | 582.98 | 582.98 | 582.98 | n/a | n/a |
RBC Insurance | 556.42 | 556.42 | 556.42 | 556.42 | n/a | n/a |
Sun Life | 543.93 | 543.93 | 543.93 | 543.93 | n/a | n/a |
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