Persistent inflation and ongoing global uncertainty have increased market volatility, while traditional diversification has proven less reliable during periods of stress.
AGILE and AGILE Super+ offer a different approach.
By combining growth potential with built-in protection, a guaranteed income for life and ongoing access to capital, they are designed to help reduce reliance on market conditions while supporting confidence across retirement.
This Bonus Interest offer applies to eligible new investments in Allianz Guaranteed Income for Life (AGILE). The bonus is applied to the Investment Amount at the Commencement Date and forms part of the investment for the purposes of fees, tax and withdrawal calculations, as outlined in the Product Disclosure Statement (PDS).
The offer is subject to capacity limits, eligibility criteria and cooling‑off provisions. Full details are set out below in the AGILE Bonus Interest Offer Terms and Conditions and the AGILE PDS.
1. These Terms and Conditions relate to investments in the Allianz Guaranteed Income for Life (AGILE) product and should be read in conjunction with the Allianz Guaranteed Income for Life Product Disclosure Statement dated 19 January 2026 (PDS) and any supplementary PDS issued.
2. Interest will be paid by Allianz Australia Life Insurance Limited (ABN 27 076 033 782, AFSL 296559 (AALIL) based on the amount of the Initial Investment held in the AALIL suspense account in the Statutory Fund No 2 until all investment requirements are finalised. The interest will be paid at a bonus interest rate of 2%^ of the Initial Investment.
3. Investments that meet the eligibility criteria as referred below (including paragraphs 6 and 9) and in the AGILE PDS will have the bonus interest applied to the Investment Amount.
4. By submitting an AGILE investment application, you direct AALIL to include the interest in the Investment Amount as specified in the PDS, upon the date of commencement. As a result, it will be included when determining subsequent amounts such as (but not necessarily limited to) fees, applicable taxes and the free withdrawal amount(s) applicable to the investment. Full details of all these terms are available within the PDS.
5. The bonus interest will be assessable for tax purposes and will be included in our tax reporting related to your investment in AGILE.
6. You are only eligible to receive the bonus interest if your application is processed through the suspense account on or prior to the earlier of:
- 31 December 2026; and
- the date on which the available capacity of the bonus offer is exhausted. Applications will be processed on a first come, first served basis.
In such a case of non-eligibility, the bonus interest will not be applied to your investment and the terms and conditions of the PDS will be applicable only. For the avoidance of doubt, this bonus interest offer is not available to existing AGILE investments processed through the suspense account on or prior to 17 May 2026.
7. In order for your application to be processed, you must satisfy all standing eligibility requirements of entry into the AGILE product.
8. Whilst the bonus interest is included in your Investment Amount upon the Commencement Date, this bonus interest only becomes accessible following the end of the cooling off period (as described on page 86 of the PDS). If you exit the product prior to the end of the cooling off period, the bonus interest will not be included in any amount payable to you. The cooling off period is defined in the PDS as 14 calendar days from the earlier of the date that you receive your investment documentation from us; and the end of the 5th business day from the Commencement Date of your investment. The bonus interest will accrue returns from the Commencement Date.
9. In order to manage the financial impact of the bonus interest offer to AALIL, AALIL may vary any of the above terms and conditions including varying or waiving eligibility criteria in its absolute discretion, and including imposing restrictions on eligibility criteria in respect of individual applications already made but not processed provided in all cases disclosure was made of the variation or restriction on the website or otherwise disclosed to the applicant prior to the time of application.
To be eligible for the 2% bonus (Bonus), we must receive a completed and signed AGILE application within the offer period.
All investments made during the offer period will receive the Bonus unless the client elects not to take up the offer by contacting us.
The offer period is the period commencing on and from 18 May 2026 and ending on (and including) the earlier of 31 December 2026 and the date on which the available capacity of the Bonus offer is exhausted.
Applications will be processed in order of receipt by us and, in the event of the available capacity being reached, we reserve the right to reduce the Bonus to zero. In such a case of non-eligibility, the Bonus will not be applied to your investment.
An investment is generally accepted within one business day of submission, provided we are in receipt of all of the following: completed and signed application with ID verification, investment funds and any applicable additional form(s) (direct debit and tax withholding etc.).
The Bonus will be included in the Investment Amount at the Commencement Date.
Example
Investment Amount at Commencement Date (assuming no taxes, advice fees or stamp duty) is calculated as follows:
$100,000 (the amount you invest)
+ $2,000 (2% Bonus)
= $102,000 (Investment Amount at Commencement Date )
Importantly, in an instance where an Investor exits AGILE prior to the end of the cooling off period, the Bonus will not be payable.
The maximum Bonus that may be paid will be based on a maximum Initial Investment from you of $5 million.
* Capitalised terms have the meaning defined in the Allianz Guaranteed Income for Life Product Disclosure Statement dated 19 January 2026 (PDS), unless the context otherwise requires.
^ Investments in excess of $750,000 may be eligible for a higher bonus interest rate. Please contact us for further information.
Please note:
AALIL may, at its discretion, at any time, withdraw this bonus interest offer or vary its terms and conditions (as referred to above). This bonus interest offer is made by AALIL, which is the issuer of the AGILE product. Please consider the AGILE PDS (including about the guarantee) and Target Market Determination available on this website (www.allianzretireplus.com.au) and the above bonus interest offer terms and conditions, before deciding whether to acquire the AGILE product and the bonus interest offer, or continue to hold the AGILE product. You should consider whether the product and the bonus interest offer is appropriate for you and whether to obtain financial and / or taxation advice in relation to your own circumstances.
This Bonus Return offer applies to eligible new investments in Allianz Guaranteed Income for Life: Super+ (AGILE Super+). The Bonus Return is calculated on the Investment Value at the Commencement Date and credited at the first Anniversary Date and will form part of the Annual Return.
The offer is subject to capacity limits, eligibility criteria and cooling‑off provisions. Full details are set out below in the AGILE Super+ Bonus Return Offer Terms and Conditions and the AGILE Super+ PDS.
1. These Terms and Conditions relate to investments in the Allianz Guaranteed Income for Life: Super+ (AGILE Super+) product. They should be read in conjunction with the AGILE Super+ Product Disclosure Statement dated 17 August 2026 (AGILE Super+ PDS) and any supplementary PDS issued, and also the update to the AGILE Super+ PDS as set out in paragraph 10 below.
2. The bonus return will be credited by Allianz Australia Life Insurance Limited (ABN 27 076 033 782, AFSL 296559 (AALIL) on the first Anniversary date at a rate of 2% of the Investment Value at the Commencement Date.
3. Investments that meet the eligibility criteria referred to below (including paragraphs 6 and 9) and in the AGILE Super+ PDS will have the bonus return credited to the Investment Value on the first Anniversary.
4. By submitting an investment application for AGILE Super+, you agree to AALIL crediting the return to the Investment Value upon the first Anniversary Date. As a result it will be included when determining subsequent amounts such as (but not necessarily limited to) fees and applicable taxes in relation to the investment. Full details of all these terms are available within the AGILE Super+ PDS.
5. For AGILE Super+, the bonus return will be subject to tax as set out on page 63 of the AGILE Super+ PDS under the heading ‘Tax on investment earnings’.
6. You are only eligible to receive the bonus return if your application is processed prior to the earlier of:
• 31 December 2026; and
• the date on which the available capacity of the bonus return offer is exhausted. Applications will be processed on a first come first served basis.
In such a case of non-eligibility, the bonus return will not be applied to your investment and the terms and conditions of the AGILE Super+ PDS will be applicable only. For the avoidance of doubt this offer is applicable to investments in AGILE Super+ only, not investments in AGILE under the AGILE PDS issued on 19 January 2026.
7. In order for your application to be processed you must satisfy all standing eligibility requirements of entry into the AGILE Super+ product.
8. The bonus return is credited to your Investment Value on the first Anniversary. This bonus return is not accessible if you exit the product prior to the first Anniversary. For the avoidance of doubt, as part of the Investment Value the bonus return is subject to the same superannuation preservation status as the balance of the Investment Value prior to meeting a Relevant Condition of Release.
9. In order to manage the financial impact of the bonus return offer to AALIL, AALIL may vary any of the above terms and conditions including varying or waiving eligibility criteria in its absolute discretion, and including imposing restrictions on eligibility criteria in respect of individual applications already made but not processed provided in all cases disclosure was made of the variation or restriction on the website or otherwise disclosed to the applicant prior to the time of application.
10. Update to AGILE Super+ PDS: The “Annual Return” (see page 74 of the AGILE Super+ PDS) now includes the 2% bonus return on the Investment Value at the Commencement Date which will be credited to the Investment Value on the first Anniversary Date, for those investors that have accepted the relevant bonus return offer during the period up to the earlier of:
• 31 December 2026; and
• the date on which the available capacity of the bonus return offer, as determined by us, is exhausted.
To be eligible for the 2% bonus return (Bonus Return), we must receive and process the completed and signed AGILE Super+ application within the offer period.
All investments made during the offer period will receive the Bonus Return unless the client elects not to take up the offer by contacting us.
The offer period is the period commencing on and from 17 August 2026 and ending on (and including) the earlier of 31 December 2026 and the date on which the available capacity of the bonus return offer is exhausted. Applications will be processed in order of receipt by us and in the event of the available capacity being reached we reserve the right to reduce the Bonus Return to zero. In such a case of non-eligibility, the Bonus Return will not be applied to your investment.
An investment is generally accepted within one business day of submission, provided we are in receipt of all of the following: completed and signed application with ID verification; investment funds; and any applicable additional form/s (direct debit and tax withholding etc.).
The Bonus Return will be credited to the Investment Value on the first Anniversary Date.
Example
The Bonus Return is credited on the first Anniversary and is calculated as follows (assuming no taxes, advice fees or stamp duty):
$100,000 (Investment Value at Commencement Date) x 2% bonus return
= $2,000 (Bonus Return)
Importantly, in an instance where an Investor exits AGILE Super+ prior to the first Anniversary, the Bonus Return will not be payable.
The maximum Bonus Return will be calculated on the maximum Investment Value at the Commencement Date (as each capitalised term is defined in the AGILE Super+ PDS).
* Capitalised terms have the meaning defined in the Allianz Guaranteed Income for Life: Super+ Product Disclosure Statement dated 17 August 2026 (AGILE Super+ PDS), unless the context otherwise requires.
Please note:
AALIL may, at its discretion, at any time, withdraw this bonus return offer or vary its terms and conditions (as referred to above).
This Bonus Return offer is made by AALIL, which is the issuer of AGILE Super+. Please consider the AGILE Super+ PDS (including about the guarantee) and Target Market Determination available on this website (www.allianzretireplus.com.au) and the above Bonus Return offer terms and conditions, before deciding whether to acquire AGILE Super+ and the Bonus Return offer, or continue to hold AGILE Super+. You should consider whether the product and the Bonus Return offer is appropriate for you and whether to obtain financial and / or taxation advice in relation to your own circumstances.
For many clients, the challenge isn’t strategy it’s acting with confidence. This bonus offer provides a practical way to support client decisions now, particularly where sequencing risk and income certainty are key considerations.
It is especially relevant for clients who are:
