While you wait to switch on lifetime income, you have the opportunity to safely grow your investment while being fully or partially protected against market downturns.
Retire confidently with guaranteed monthly payments for life that will never run out or decrease, no matter how long you live or what happens in the markets.
Access your investment if circumstances change, providing freedom and flexibility.
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Allocate a portion of your savings or super into AGILE or AGILE Super+.
You have exposure to sharemarket-linked returns (up to a maximum return) so your investment value has the potential to keep growing.
When combined with your increasing lifetime income rate, you have greater potential to increase the amount of guaranteed lifetime income you will receive.
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Enjoy retirement on your terms, when you're ready.
You can access your guaranteed lifetime income as early as one year after starting your investment, subject to eligibilty requirements.
You are rewarded for waiting: your lifetime income rate increases each year, so the longer you defer, the higher it will be.
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Retire with confidence and peace of mind.
Receive guaranteed monthly payments for life that will never run out or decrease.
Your money is not locked away. You can access some or all of your investment value if your needs change. If you pass away, any remaining investment value is paid to your beneficiaries or estate.
Enjoy retirement your way with the confidence that certainty affords.
An investment consists of two phases: the Growth Phase and the Lifetime Income Phase.
For AGILE, you can access Lifetime Income Payments whenever you’re ready – anytime one year after starting your AGILE investment.
If you have not commenced your Lifetime Income by the time you turn 100, it will automatically be turned on at your next anniversary date (or, if you have selected the Age Pension+ Option, after you reach Life Expectancy).
For AGILE Super+, you can access Lifetime Income Payments whenever you’re ready – anytime one year after starting your AGILE investment and after meeting a Relevant Condition of Release.
If you have not elected to start receiving Lifetime Income by the time you reach your Life Expectancy, your investment will automatically transition to the Lifetime Income Phase on the next anniversary date.
AGILE offers the option of rising income payments. Under this option your guaranteed income will increase each year by any positive annual return of the Australian equity index (up to the Maximum Return).
Increases to your income accumulate over time, and will never go backwards – even if the index delivers a negative return.
For non-superannuation money, we will pay out any remaining investment value to your nominated beneficiary or estate in the case of individuals, or to the company or trustee for non-superannuation money, (including through a Platform). For superannuation money, we will pay out any remaining Investment Value to the superannuation fund trustee.
If the Age Pension+ Option is chosen, the amount payable on death will be subject to a maximum known as the Age Pension+ Maximum Benefit on Death, which may be greater or less than the Investment Value at that time.
If the Spouse Insured Option is chosen, in the event of death of the Life Insured, the Investor will continue to receive the Lifetime Income Payments for the remaining lifetime of the Surviving Spouse, or the Investor may choose a lump sum payment.
No Market Value Adjustment will apply to the Investment Value paid on death. In respect of a Life Insured (or Surviving Spouse, if applicable).2
