Male Term Certain Annuity Rates
Male Term Certain Comparison Tables
The following Canadian term certain annuity rates are as of Sep 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 |
1,754.80 | 1,754.80 | 1,754.80 | 1,754.80 | 1,754.80 | 1,754.80 |
 Canada Life |
1,742.28 | 1,742.28 | 1,742.28 | 1,742.28 | 1,742.28 | 1,742.28 |
 Desjardins |
1,726.81 | 1,726.81 | 1,726.81 | 1,726.81 | 1,726.81 | 1,726.81 |
 Equitable |
1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 | 1,764.06 |
 Manulife Investments |
1,760.47 | 1,760.47 | 1,760.47 | 1,760.47 | 1,760.47 | 1,760.47 |
 RBC Life Insurance |
1,762.29 | 1,762.29 | 1,762.29 | 1,762.29 | 1,762.29 | 1,762.29 |
 Sun Life Assurance |
1,707.91 | 1,707.91 | 1,707.91 | 1,707.91 | 1,707.91 | 1,707.91 |
10 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
976.73 | 976.73 | 976.73 | 976.73 | 976.73 | 976.73 |
| Canada Life |
929.47 | 929.47 | 929.47 | 929.47 | 929.47 | 929.47 |
| Desjardins |
955.09 | 955.09 | 955.09 | 955.09 | 955.09 | 955.09 |
 Empire Life |
930.50 | 930.50 | 930.50 | 930.50 | 930.50 | 930.50 |
| Equitable |
977.16 | 977.16 | 977.16 | 977.16 | 977.16 | 977.16 |
| Manulife Investments |
965.49 | 965.49 | 965.49 | 965.49 | 965.49 | 965.49 |
| RBC Life Insurance |
970.49 | 970.49 | 970.49 | 970.49 | 970.49 | 970.49 |
| Sun Life Assurance |
940.76 | 940.76 | 940.76 | 940.76 | 940.76 | 940.76 |
15 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
721.20 | 721.20 | 721.20 | 721.20 | 721.20 | n/a |
| Canada Life |
679.19 | 679.19 | 679.19 | 679.19 | 679.19 | n/a |
| Desjardins |
715.54 | 715.54 | 715.54 | 715.54 | 715.54 | n/a |
| Empire Life |
689.25 | 689.25 | 689.25 | 689.25 | 689.25 | n/a |
| Equitable |
721.80 | 721.80 | 721.80 | 721.80 | 721.80 | n/a |
| Manulife Investments |
711.86 | 711.86 | 711.86 | 711.86 | 711.86 | n/a |
| RBC Life Insurance |
710.47 | 710.47 | 710.47 | 710.47 | 710.47 | n/a |
| Sun Life Assurance |
698.05 | 698.05 | 698.05 | 698.05 | 698.05 | n/a |
20 Year Term Certain
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
600.70 | 600.70 | 600.70 | 600.70 | n/a | n/a |
| Canada Life |
567.10 | 567.10 | 567.10 | 567.10 | n/a | n/a |
| Desjardins |
601.02 | 601.02 | 601.02 | 601.02 | n/a | n/a |
| Empire Life |
565.05 | 565.05 | 565.05 | 565.05 | n/a | n/a |
| Equitable |
601.67 | 601.67 | 601.67 | 601.67 | n/a | n/a |
| Manulife Investments |
598.75 | 598.75 | 598.75 | 598.75 | n/a | n/a |
| RBC Life Insurance |
583.30 | 583.30 | 583.30 | 583.30 | n/a | n/a |
| Sun Life Assurance |
565.39 | 565.39 | 565.39 | 565.39 | n/a | n/a |
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