Lifestream Guaranteed Income - Income with a fixed term annuity

Lifestream Guaranteed Income is issued by Resolution Life Australasia Limited and brought to market under the Acenda Life brand.

Lifestream Guaranteed Income - Fixed term annuities provide guaranteed income for a set period, usually between 1 and 30 years. They deliver predictable payments, with the option for some or all of the original upfront payment returned at the end of the term.

Customers can choose monthly, quarterly, half-yearly or yearly income payments and can choose an option to return all or a portion of the initial capital at the end of the term. This option is referred to as Residual Capital Value (RCV).

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Why choose a fixed term annuity?

Income that’s guaranteed

Guaranteed regular income for a chosen term (1–30 years), regardless of market conditions.

Flexible product features

Customers can choose the payment frequency of the annuity and name their beneficiaries.

Withdrawals

When purchasing a fixed-term annuity, you have the flexibility to make a withdrawal and end the policy before the end of the term. In some cases, you may be able to make a partial withdrawal.

Setting a Residual Capital Value

Customers can choose between zero and 100% of their purchase price to be returned to them as a lump sum when the annuity matures.

Consumer Price Index (CPI)

To protect against rising living costs, customers can choose regular payments that increase annually in line with the CPI if their fixed term is longer than 6 years.

No hidden costs

No ongoing fees or hidden costs with the certainty of regular payments.

Is a fixed term annuity for your client?
  • They are seeking reliable income for a specific term.
  • They wish to preserve or access capital at the end of the term.
  • They want a secure product with predictable returns over market exposure.
  • They’re looking for a reliable alternative to term deposits to support their retirement plan.

Take a look at the Target Market Determination (TMD) to understand if a fixed term annuity is right for your client.

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Research and insights

From Uncertainty to Confidence: Insights into Australia’s Evolving Retirement Needs

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Adviser resources

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Resolution Life's approach to retirement income

Retirement Income Philosophy

Retirement should be a period of certainty. Lifestream Guaranteed Income supports a sustainable approach to retirement by offering guaranteed income, no matter how long retirement lasts. With customisable features, Lifestream Guaranteed Income adapts to a range of lifestyles. This helps bridge income gaps to meet the Association of Superannuation Funds of Australia Limited (ASFA) retirement standard, forming a key component of an income layering strategy.

Lifestream Guaranteed Income is designed to protect peace of mind. Because, after a lifetime of hard work, Australians deserve to step into their next era with confidence.

Retirement Income Strategy

Resolution Life’s Retirement Income Strategy outlines how we can help customers who are retired or are approaching retirement, to achieve a range of retirement objectives, including:

  • Maximising their retirement income and taking into account the Age Pension and any other income support payments.
  • Managing their retirement income, the risk of outliving their savings and outlining the risks at different stages of retirement.
  • Flexible access to their savings during retirement.

Important documents

Lifestream Guaranteed Income is issued by Resolution Life Australasia Limited and brought to market under the Acenda Life brand.

Learn more about the Lifestream Guaranteed Income product by reading these important documents:

Lifestream Guaranteed Income Product Disclosure Statement (PDS)

Lifestream Guaranteed Income Target Market Determination (TMD)

Superannuation benefit transfer request

Identification Form for Australian Companies

Identification Form for Unregulated Trusts and Trustees

Identification Form for Australian Regulated Trusts and Trustees

Confirmation of tax information Individuals

Confirmation of tax information Entities

Identification Form for Individuals

Third party authority for advisers

Change of details

How to have a Power of Attorney added to a policy

Nomination of beneficiary

Statutory Declaration

Withdrawal request 

 

You may also want to consider

Lifestream Guaranteed Income - Lifetime annuities

A guaranteed regular income for life. With a lifetime annuity, your client can exchange a lump sum for regular payments that continue for life, helping them protect against outliving their savings.

Learn more

The issuer of Guaranteed Annuities Lifestream Guaranteed Income (also referred to “Lifestream Guaranteed Income”) is Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life). Any reference in connection with the product issuer of Guaranteed Annuities Lifestream Guaranteed Income to "we", "our" or "us" on, or available through, this website is a reference to Resolution Life.  As product issuer, only Resolution Life has obligations in respect of Guaranteed Annuities Lifestream Guaranteed Income product and provides any guarantee offered under it. Acenda is a registered trademark of Nippon Life Insurance Australia and New Zealand Limited ABN 90 000 000 402, a related body corporate of Resolution Life, and is used under licence by Resolution Life. Where the information on this website is factual information only, it does not contain any financial product advice or make any recommendations about a financial product or service being right for you. Any advice is provided by Resolution Life, is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the product disclosure statement (if available) and policy document for the product. Any Target Market Determinations for the product can be found at resolutionlife.com.au/target-market-determinations. Resolution Life can be contacted by calling 13 57 22.

Taxation considerations are general and based on present taxation laws and may be subject to change.  Resolution Life is not a registered tax (financial) adviser under the Tax Agent Services Act 2009. You should seek independent tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to make any decision based on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.