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    • Guaranteed Annuities LIFESTREAM GUARANTEED INCOME

    WHAT IS THIS PRODUCT ABOUT?

    An annuity is a low-risk investment product that guarantees a regular income, either for a fixed term or for life.

    WHO CAN INVEST IN ANNUITIES?

    Guaranteed Annuities Lifestream Guaranteed Income are generally suitable for:

    Investors seeking:

    • a secure guaranteed income in retirement.
    • a conservative/low risk investment that provides guaranteed regular payments.
    • certainty in estate planning.
    • to maximise social security entitlements.

    Australian companies, trusts and super funds seeking:

    • a guaranteed, regular source of income. 
    • Guaranteed Annuities via Colonial First State FirstChoice PDS Guaranteed Annuities via Colonial First State FirstChoice PDS
    • Guaranteed Annuities via Colonial First State Wrap PDS Guaranteed Annuities via Colonial First State Wrap PDS
    • VIEW THIS WEEKS ANNUITY RATES VIEW THIS WEEKS ANNUITY RATES

    KEY BENEFITS OF AIA ANNUITY

    KEY BENEFITS OF AIA ANNUITY

    Security

    • Annuity payments aren’t affected by share market movements or interest rate fluctuations.


    Flexibility

    • The option for clients to choose their preferred investment term and if they want regular payments to be made monthly, quarterly, half-yearly or yearly.

    Protection against inflation

    • Long Term annuities can provide regular payments that increase annually in line with the Consumer Price Index (CPI).

    Tax Benefits

    • Tax-free regular payments for people over 60 who invest with money from their super (see PDS for full details).
    • Tax offsets for some people aged between preservation age and 60 who invest with money from their super.

    Accessibility

    • At the end of the investment term your clients can access some or all of their initial capital investment.

    Social security interaction

    • Fixed term and Lifetime annuities may be assessed beneficially for asset and income tests based on personal circumstances (see PDS for full details).

    The AIA difference

    AIA delivers secure returns for policyholders by investing in a diversified portfolio of securities including fixed income, mortgage-backed loans, private credit, term deposits, alternatives and equities and holding capital in excess of regulatory requirements.

    Our robust, disciplined approach ensures that we can provide competitive rates and minimise investment risk to fulfil our commitment to policyholders. Additionally AIA offers two guarantees on our Annuities.

    • DEATH BENEFIT GUARANTEE
      DEATH BENEFIT GUARANTEE

      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.

    • Withdrawal Benefit Guarantee
      Withdrawal Benefit Guarantee

      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.

    How to invest

    STEP 1: READ THIS PDS

    We recommend that you read this PDS carefully and contact your dedicated Retirement BDM if you have any questions.

    STEP 2: GET A QUOTE

    • Refer to this week’s annuity rates
    • For information on bonus rates please contact your dedicated Retirement BDM.
    • All quotes need to be obtained through MyQuote. For access to MyQuote please visit our AIA Adviser Portal.
    • Log in to the Adviser Portal.

    STEP 3: SEND US YOUR QUOTE AND COMPLETED APPLICATION FORM/S

    Please send your application form, cheque or direct deposit receipt, certified ID, Tax File Number declaration form and Withholding declaration form (if applicable) and valid quote to:

    AIA Australia
    Guaranteed Annuities
    GPO Box 3306
    Sydney NSW 2001

    Or, scan and email forms to:
    NewBusinessAnnuity@cba.com.au

    GUARANTEED ANNUITIES Forms and Documents

    Important Forms

    • Application form
    • Tax File Number Declaration form
    • Withholding declaration form
    • Super Benefit transfer request form
    • Annuity Tax Guide 2020

    Identification and verification forms

    • Identification form - Australian Companies
    • Identification form - Australian regulated trusts and trustees
    • Identification form - Australian unregulated trusts and trustees
    • Identification form - Individuals
    • Self Certification - Individual
    • Self Certification - Entity
    • Change of details form
    • Beneficiary form

    Annuities offered by Colonial First State FirstChoice

    • Application form
    • Super Benefit transfer request form
    • Identification form - Australian Companies
    • Identification form - Australian regulated trusts and trustees
    • Identification form - Australian unregulated trusts and trustees
    • Identification form – Individuals and Sole Traders
    • Self Certification - Individual
    • Self Certification - Entity
    • Change of details form
    • Beneficiary form
    • Administration via Colonial First State FirstChoice form

    Annuities offered by Colonial First State First Wrap

    • Application form
    • Super Benefit transfer request form
    • Identification form - Australian Companies
    • Identification form - Australian regulated trusts and trustees
    • Identification form - Australian unregulated trusts and trustees
    • Identification form - Individuals and Sole Traders
    • Self Certification - Individual
    • Self Certification - Entity
    • Change of details form
    • Beneficiary form
    • Administration via Colonial First State Wrap form

    Awards

    Our Guaranteed Annuities Lifestream Guaranteed Income received the 2017 Association of Financial Advisers (AFA) Annuity & Income Stream Innovation Award and the 2019 Plan for Life Longevity Product – Multiple Annuity Portfolio Award.

    We’re proud winners of the AFA 2020, Longevity Product Term & RCV Award and the Longevity Cover Excellence Award.

    Annuities Awards

    CONTACT YOUR DEDICATED RETIREMENT BDM

    Simon Felice

    NSW/ACT/SA/WA/NT

    Simon Felice
    0416 037 066
    simon.felice@cba.com.au

    Vijay Matthew

    QLD/VIC/TAS

    Vijay Mathew
    0475 955 323
    vijay.mathew@cba.com.au

    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

    AIA Global aia.com

    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2207, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 1 April 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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