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Steve secured his future lifetime income at 9.55% p.a.

By locking in a known rate with guaranteed annual rate increases.

Remove uncertainty by locking in a known Lifetime Income Rate

Allianz Guaranteed Income for Life (AGILE) is a flexible retirement income solution that provides a guaranteed lifetime income. One of the unique features of AGILE is the ability to lock-in a known lifetime income rate – with guaranteed annual increases every year you wait to start your income.

Why is your Lifetime Income Rate important?

Your Lifetime Income Rate is crucial because it determines the percentage of your Investment Value you will receive as income when you elect to start your guaranteed Lifetime Income payments and will vary depending on when you commence your Lifetime Income and which Income Options you choose.

How is your Lifetime Income Rate calculated?

Your Lifetime Income Rate¹ begins with your Age-Based Rate¹ and increases by a guaranteed annual rate (known as the Annual Income Escalator) for every year you wait to start your lifetime income.

Age-Based Rate

Your Age-Based Rate is the foundation of your Lifetime Income Rate - it’s determined by:

Your age when you start your AGILE investment; and
The payment option you choose when commencing your Lifetime Income.

You’ll be advised of your Age-Based Rate at the Commencement Date, and this will not change during your investment. ¹

Annual Income Escalator

An Annual Income Escalator is added to your Age-Based Rate for each complete year you remain in the Growth Phase.

The longer you remain invested in the Growth Phase, the higher your guaranteed Lifetime Income Rate will be.

Your Annual Income Escalator rate is also known at the time you commence your AGILE investment and will not change during your investment.

Steve's Lifetime Income Example

Steve’s Lifetime Income Example

To better understand how AGILE helped Steve secure his future lifetime income rate of 9.55% p.a., let’s look at how Steve's lifetime income rate is calculated.

Steve’s age is 60 at commencement of his investment in AGILE, making his Age-Based rate 5.35% (Steve chose the Lifetime Income - Fixed option). Each year Steve delays starting his lifetime income and remains in the Growth Phase, his Age-Based Rate increases by his Annual Income Escalator of 0.35%.

Steve elects to wait 12 years and at age 72 decides to commence his guaranteed lifetime income, meaning his Lifetime Income Rate has grown to 9.55% (5.35% Age Based Rate + 4.20% Total Income Escalator) of his investment value at that time.

Current Lifetime Income Rates including the Age-Based Rate and the Annual Income Escalator can be viewed here.

_{This is an illustrative example only. All figures used in this example are illustrative only.}

_{*Steve, aged 60 invests in AGILE and at 12 years commences his income payments drawn from his AGILE investment, which then continue for the rest of his life. The above rate is for illustrative purposes only for Steve as of December 2024. The current applicable rates are available on our website. An investment in AGILE is not a bank or term deposit, or an equity or fund investment.}

Income Estimator

Our Income Estimator is a generic educational tool that explores the impact of deferring income on an investment and electing certain features.

Calculate

Complete the form to download your AGILE product information pack

In our product welcome pack, you will receive:

An adviser guide to AGILE detailing the features and benefits.
An Introduction to the Growth and Lifetime Income phase of AGILE.
Accumulation and decumulation chart to share with your clients.
AGILE animation explainer video to share with your clients.

_{By providing your details in this form, you consent to your information being collected by Allianz Retire+ for the purposes of providing information about Allianz Guaranteed Income for Life (AGILE) and Allianz Retire+. Your personal information will be handled in accordance with our Privacy Policy available at: Privacy Policy | Allianz Retire+ | Powered by PIMCO}

With Allianz Retire+, it all adds up to certainty

At Allianz Retire+ we believe that all Australians should be able to live their lives with certainty and not have to worry about tomorrow’s ‘what ifs’, market volatility or whether they’ll have enough money for the future. That’s why we’re committed to delivering innovative retirement income solutions with a guaranteed income for life. We’re proud to be part of the Allianz family, that’s been helping Australians for over 100 years.

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_{HUB24 Custodial Services Ltd is the operator of HUB24 Invest (an investor directed portfolio service), promoter and service provider of HUB24 Super which is a regulated superannuation fund. The trustee and issuer of interests in HUB24 Super is HTFS Nominees Pty Limited ABN 78 000 880 553, AFSL 232 500, RSE Licence No. L0003216. No entity within the HUB24 group nor HTFS Nominees guarantees any payments under AGILE, and they are not responsible for the performance of any Allianz Retire+ product, or any other product or service promoted or supplied by Allianz. © HUB24}

^{1 A different set of Age-Based Rates and Annual Income Escalators may apply depending on whether:}

^{Rising or fixed payment options are selected}
^{The Age Pension+ Option is selected; and}
^{The Spouse Insured Option is selected.}