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Supporting better outcomes in uncertain markets

Market volatility and ongoing uncertainty are increasing pressure on retirement decisions, particularly at the point where outcomes are most sensitive to timing and sequencing.

For many clients, this leads to hesitation, delayed decisions and overly cautious behaviour, even when they are well‑resourced.

Traditional diversification alone cannot fully address these risks.

AGILE provides a different approach.

By combining growth potential, built‑in protection, guaranteed lifetime income and flexible access to capital, AGILE helps reduce reliance on market conditions and supports greater confidence across retirement.

A limited‑time opportunity to strengthen client outcomes

The 2% bonus increases the client’s starting investment amount, helping establish a stronger base for lifetime income from day one. In uncertain markets, even a modest increase in starting capital can materially improve income outcomes over time.

Applied at commencement, the bonus:

  • enhances income potential from day one
  • supports more confident retirement decisions
  • maintains full access to capital and flexibility

Offer available to eligible AGILE investors until 31 July 2026, or until the available bonus capacity is exhausted, if earlier.

With AGILE, your clients can:

  • Receive a 2% bonus applied at commencement, increasing their starting investment 
  • Secure a guaranteed income for life, providing certainty regardless of market conditions
  • Benefit from growth potential, with income that can rise with markets but will never fall
  • Reduce reliance on market timing, helping manage sequencing risk at or near retirement
  • Maintain flexibility, with access to their investment if circumstances change
  • Invest with confidence, knowing AGILE is issued from a statutory fund prudentially regulated by APRA

Turning confidence into action

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:

  • delaying decisions
  • holding excess capital due to uncertainty
  • hesitant to commit without greater certainty
Speak with your Allianz Retire+ BDM to discuss how this offer can support upcoming client conversations and reviews.

Important Information 

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.

Frequently Asked Questions 

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 July 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. 

 

Terms & Conditions 

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 July 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.

 

* 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.

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.

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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.