Lifetime Annuity
Build a resilient retirement portfolio for your clients with guaranteed regular retirement income payments from Australia's largest annuity provider.
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Guaranteed regular income for life
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Confidence in retirement
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Age pension boost for some clients
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Inflation protection options
Term Annuity
Your clients can earn a competitive rate that's fixed for the term they choose.
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Competitive rates
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No product fees
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Choice of terms
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Regular payments
CarePlus
CarePlus provides guaranteed monthly income for life, helping clients fund ongoing aged care costs as well as providing a guaranteed lump sum death benefit.
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Guaranteed regular income for life
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Certainty and control over estate
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Potential to increase Age Pension
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Potential to reduce the costs of aged care
Secure regular income for life
A Challenger Lifetime Annuity offers your clients guaranteed regular income payments for life ensuring retirement outcomes are enhanced through a more resilient retirement portfolio. This product is perfect for clients who want to manage longevity risk while enjoying the peace of mind that comes with a stable income.
Guaranteed regular income
Guaranteed regular income for your client's lifetime can help give them the confidence to spend in retirement.
Inflation protection
To help protect against inflation risk, payments can be fully or partially indexed to CPI.
Protect your client's legacy
With guaranteed death benefits a Challenger lifetime annuity can help protect a client’s legacy.
Age Pension boost
Your clients may be eligible for an immediate increase in their Age Pension.
Delivering secure and guaranteed returns for a fixed term
A Challenger Fixed Term Annuity is designed to provide your clients with competitive rates that are fixed for the term they choose. It offers a low-risk investment with guaranteed payments regardless of market performance.
Tax free income
Regular payments are tax-free for investors aged 60 and over when using super money.
Flexible payment options
Choose from terms of one year up to 50 years, with the option to receive payments monthly, quarterly, half-yearly, and for terms longer than one year, yearly.
No fees
There are no product fees or charges payable to Challenger.
Capital protection
Flexibility to have the initial lump sum repaid at the end of the chosen term or it can be repaid with the regular payments during the term.
Funding aged care with guaranteed regular income and estate planning certainty
Challenger CarePlus combines a lifetime annuity with an insurance policy to help clients fund ongoing aged care costs while providing a guaranteed lump sum death benefit. This product offers peace of mind to clients moving into residential aged care by ensuring they have a steady income and a clear estate plan.Guaranteed regular payments
Fixed monthly payments for life, regardless of longevity or market performance.
Estate planning certainty
A lump sum death benefit equal to 100% of the amount invested is paid to nominated beneficiaries or the estate.
Age Pension increase
Immediate decrease in assessable assets for Age Pension purposes, potentially increasing Age Pension payments.
Reduce aged care fees
Lower assessable assets and income may reduce the cost of government-subsidised care.
How Challenger covers its promises
A Challenger annuity gives you guaranteed regular income payable for life, or for a chosen investment term. But how do we cover our promises made to you?
Additional products
Guaranteed Income Fund
Challenger’s Guaranteed Income Fund provides fixed, monthly income payments for a specified investment term and a fixed lump sum at maturity.
Super and pension
View key information for Challenger Super and Challenger Pension such as annual reports, product updates and the Retirement Income strategy.
Closed products
Access information on Challenger products that are no longer open to new investment.
Tools and resources for advisers
Find tools designed to help you when you’re exploring options for your client.Technical information
Our Technical team specialises in supporting financial advisers in the development of retirement and aged care solutions for their clients. You can call them on 1800 176 486 or subscribe to our monthly newsletter.
Modelling scenarios
We offer a range of modelling tools including a Retirement Illustrator and Age Pension calculator. Learn more about these tools and how to access them.
Generate quotes
Use this tool to generate a quote for our annuity products. It will show you the guaranteed income payments your clients could receive based on the factors you enter. Login to AdviserOnline to access eQuote.
Finding knowledge
Our resources are designed to empower you with the knowledge and tools you need to better serve your clients. Take a look at the broad range of information for advisers that is held in our Adviser Knowledge Hub.
Speak to our Distribution team
Our Challenger Distribution team are experienced in helping advisers develop retirement and aged care strategies that help give clients confidence in retirement. Fill in the form to request a meeting with a Challenger BDM.