Growth potential with a safety net
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.
Income you can rely on
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.
Flexible access to your money
Access your investment if circumstances change, providing freedom and flexibility.
Award-winning retirement income innovator
How AGILE works
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Step 1: Invest
Allocate a portion of your savings or super into AGILE.
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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Step 2: Access
Enjoy retirement on your terms, when you're ready.
You can access your guaranteed lifetime income as early as one year after starting your AGILE investment.
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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Step 3: Enjoy
Retire with confidence and peace of mind.
Retire with confidence and the peace of mind that comes with knowing you will receive guaranteed monthly payments for life that will never run out or decrease.
Secure a steady income for life
Enjoy retirement your way with the confidence that certainty affords.
Watch the video to see how.
Frequently Asked Questions
AGILE caters for two types of investments:
- Superannuation money as invested by a superannuation trustee (ie via eligible superannuation funds, including platform superannuation, or your SMSF); and
- Non-superannuation or ordinary money as invested by individuals, companies or trusts, including investments made through platforms.
Your lifetime income can be turned on anytime one year after starting your AGILE investment.
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.
You can access some or all of your investment value at any time.
During the Growth Phase, investors have access to a Free Withdrawal Amount (FWA) equal to 5% of the initial Investment Amount, available annually. Withdrawals in the first 10 years may be subject to a Market Value Adjustment. If the Age Pension+ Option is selected, the investor can no longer access the FWA in the Growth Phase, and the available Withdrawal Value will be limited to the maximum amount allowable under the social security Capital Access Schedule.
If you are invested with super money, your withdrawal will be paid to your super fund to be invested in other investment options and can only be accessed if you meet a condition of release and/or super fund rules.
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
Get the complete picture.
Start with AGILE today.
Questions?
Any information on this website does not take into account your objectives, financial situation or needs. For personal financial advice please speak to your financial adviser. Products will be issued by Allianz Australia Life Insurance Limited, ABN 27 076 033 782, AFSL 296559.
Allianz Retire+ is the business name of Allianz Australia Life Insurance Limited. By using this website you agree to access this Financial Services Guide.
Allianz Retire+ is the business name of Allianz Australia Life Insurance Limited. By using this website you agree to access this Financial Services Guide.