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An annuity is a low-risk investment product that guarantees a regular income, either for a fixed term or for life.
In general, guaranteed annuities aren’t affected by share market movements or interest rate fluctuations, so you can rely on a consistent source of income.
By diversifying your retirement income streams and including an annuity, not only are you less exposed to risk, but there may be tax and social security benefits of using a combination of guaranteed annuities, account based income streams and other income streams.
If you invest in a Lifetime Income – immediate annuity:
If you invest in a Lifetime Income – deferred annuity:
The Death Benefit Guarantee ensures that if the Policy Owner dies after starting their annuity but before the end of Guaranteed Period, a lump sum amount will be payable to their estate or Reversionary Beneficiary.
The Withdrawal Benefit Guarantee ensures that the Policy Owner receives a minimum lump sum amount if they elect to make a full withdrawal during the Guaranteed Period.
*Terms and conditions apply. Refer to the PDS for more details.
Annuities offers a guaranteed regular income for a fixed term, with all or part of your purchase price returned to you at the end of the term, or lifetime from a date you select for the rest of your life.
When purchased with super money, our Lifestream Guaranteed Income annuities offers a guaranteed income with tax benefits for individuals or couples of preservation age.
Annuities offer a secure wealth transfer for individuals who want to provide for their beneficiaries.
From large corporates to family trusts, organisations large and small can also benefit from the security of an annuity and as a way of diversifying their income streams.
Resolution Life Australia has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced at resolutionlife.com.au/aia/tmds-docs.
We recommend that you read this PDS carefully before investing in an annuity.
To apply for a guaranteed annuity, you need to provide
The effective date of your annuity is the date all application requirements, including your investment, are received and accepted by us.
Contact your financial adviser, or call us on 1800 624 100 between 9am and 5pm (AEST/AEDT), Monday to Friday, excluding public holidays.
Our Lifestream Guaranteed Income annuity has won the following awards:
Any advice and information on this website is general in nature and is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), which is part of the Resolution Life Group. Resolution Life can be contacted via the Contact us page. The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to those matters as well as the relevant Product Disclosure Statement (PDS) or Policy Document, available here or via the Contact us page. Before making a decision about the product, consider speaking to a financial adviser if you have any concerns.
If you decide to purchase or vary a financial product, Resolution Life and/or other companies within the Resolution Life Group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium they pay or the value of their investments. You can ask us for more details.
These products are not issued by the AIA Group. The AIA Group has sold to the Resolution Life Group that part of the business that previously provided or administered these products. The Resolution Life Group and its products and services are not affiliated with, or guaranteed by, the AIA Group. The Resolution Life Group uses AIA's trademarks under licence.