Male Term Certain Annuity Rates

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 |
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