1 COMMINSURE LIFETIME INCOME ANNUITY. A retirement income solution now with a Death Benefit Guarantee. A CommInsure Lifetime Income Annuity now offers even more comfort, protection and value with a Death Benefit Guarantee that allows retirees to provide for their loved ones, in the event of an untimely death. ADVISER USE ONLY
2 RETIREMENT IS AN EXCITING NEW CHAPTER IN A PERSON S LIFE. It s a time to unwind, relax and explore different possibilities, but for many Australians it also brings new challenges. A smooth transition and comfortable, enjoyable retirement lifestyle requires careful planning. Fortunately, retirees don t have to do it alone. With the help of a professional financial adviser, they can build a robust savings and investment portfolio which will deliver a regular, reliable income for life. CommInsure also offers a range of innovative retirement income solutions to help retirees achieve their retirement goals while managing key risks like market risk, interest rate risk and longevity risk. With the CommInsure Lifetime Income Annuity, investors and advisers can secure a regular, stable income stream regardless of how investment markets are performing. CommInsure s annuity payments aren t affected by share market volatility or interest rate fluctuations which is critically important in the prevailing lower growth, lower return environment. With the CommInsure Lifetime Income Annuity, investors have the peace and security of knowing they have a guaranteed income stream for life.
3 In addition, a CommInsure Lifetime Income Annuity now offers even more comfort, protection and value with a Death Benefit Guarantee, allowing retirees to provide for their loved ones in the event of their untimely death. By choosing a CommInsure Lifetime Income Annuity with a Guaranteed Period, new investors will now receive CommInsure s Death Benefit Guarantee. 1
4 WHAT IS THE DEATH BENEFIT GUARANTEE? The Death Benefit Guarantee ensures that if an investor dies after starting their annuity but before the end of their chosen Guaranteed Period, a guaranteed lump sum payment will be paid to their beneficiary or estate. The value of the Death Benefit Guarantee will depend on the initial amount invested and the total number of regular payments that have already been made at the time of death. The value of the Death Benefit Guarantee decreases as the policy approaches the end of the Guaranteed Period. After this point, investors will continue to receive their regular income payments but when they pass away, no additional payment will be made to their estate. THE FORMULA FOR CALCULATING THE DEATH BENEFIT GUARANTEE IS: Purchase price / x Total number of regular The Purchase price payments to be paid over the Guaranteed Period [( ) ] number of regular payments made as at the date of death (See example to the right) 2
5 Death Benefit Guarantee (DBG) for female aged 65 with Guarantee Period (GP) of 10 years, $200k investment and annual payments 200, , , , , ,000 80,000 60,000 40,000 20,000 Death Benefit Guarantee Year Death occurs after year: Initial purchase price $200,000 for a 65 year old female with annual payments and Guaranteed Period of 10 years DBG after each payment Purchase Price formula applies here Reduction factor In this example, the DBG reduces in value by $20k after each regular payment , ,000 - (200,000/10) x , ,000 - (200,000/10) x , ,000 - (200,000/10) x , ,000 - (200,000/10) x , ,000 - (200,000/10) x , ,000 - (200,000/10) x , ,000 - (200,000/10) x , ,000 - ((200,000/10) x , ,000 - (200,000/10) x ,000 - (200,000/10) x $0 (GP Expired) 0 12 $0 (GP Expired) 0 3
6 WHAT IS THE GUARANTEED PERIOD? The Guaranteed Period is any full year term (up to the owner s life expectancy) of a Lifetime Income Annuity chosen by the investor. The term, or length of time, is chosen by the investor at the commencement of the policy and ensures that an amount at least equal to the Death Benefit Guarantee will be paid to their beneficiaries or estate if they die during that period. During the Guaranteed Period the annuity also has a withdrawal value which is determined at the time of withdrawal with reference to the remaining guaranteed payments. With a CommInsure Lifetime Income Annuity, retirees have the option of choosing a maximum Guaranteed Period up to their life expectancy. The table to the right shows the maximum Guaranteed Period for men and women, based on their age at investment. The maximum Guaranteed Period is based on a person s age and their life expectancy. 4
7 Maximum Guaranteed Periods Age at inception Female Maximum Guaranteed Period Male years 24 years years 20 years years 16 years years 12 years years 9 years 85 8 years 7 years While it s common for retirees who want maximum security and peace of mind to choose a Guaranteed Period up to life expectancy, investors also have the option of choosing a shorter Guaranteed Period or no Guaranteed Period, depending on their personal circumstances. 5
8 HOW IT WORKS Case study: JOHN 65 JULIE 60 BOTH RECENTLY RETIRED They own their apartment and both receive a part pension. John has set up an account-based pension, which comfortably covers their living expenses. John is concerned about how long his account-based pension will last given the recent market volatility. He s also concerned about outliving his savings. He wants to supplement his existing income and better manage his cashflow to spend more on lifestyle costs like travel, new furniture and renovations while protecting Julie and himself against market risk, longevity risk and potential changes to the Age pension. John s financial adviser has recommended that he use the remainder of his superannuation to buy a lifetime annuity, as part of a broader retirement savings portfolio. He chooses to invest the remainder of his superannuation of $100,000 in a CommInsure Lifetime Income Annuity with a Guaranteed Period of 20 years. Based on John s age, the superannuation annuity income stream he will receive annually will be tax-free income for life, even if he lives beyond his current life expectancy of age 85. John has peace of mind knowing that should he unexpectedly pass away in the next 20 years, CommInsure s Death Benefit Guarantee gives Julie, as the reversionary beneficiary, the option of receiving a lump sum payment or continuing to receive regular payments. The table to the right illustrates how the Death Benefit Guarantee is calculated in this scenario if regular payments are made annually.
9 Initial purchase price $100,000, 65 year old male with annual payments Death occurs after year: DBG after each year with a Guaranteed Period up to Life Expectancy (20 years) Income received p.a. Cumulative income received 1 $95,000 $5,350 $5,350 2 $90,000 $5,350 $10,700 3 $85,000 $5,350 $16,050 4 $80,000 $5,350 $21,400 5 $75,000 $5,350 $26,750 6 $70,000 $5,350 $32,100 7 $65,000 $5,350 $37,450 8 $60,000 $5,350 $42,800 9 $55,000 $5,350 $48, $50,000 $5,350 $53, $25,000 $5,350 $80, $20,000 $5,350 $85, $15,000 $5,350 $90, $10,000 $5,350 $96, $5,000 $5,350 $101, $5,350 $107, $5,350 $133, $5,350 $160,500 $100,000 $90,000 $80,000 $70,000 $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 DBG after each year with a Guaranteed Period up to Life Expectancy (20 years) Withdrawal benefit at end of policy year Income received p.a. $ Rates are illustrative only and are based on market conditions as at March
10 HOW IT WORKS (cont) Case study: MARGARET 85 WIDOW She recently sold the family home and downsized to an apartment in a retirement village. As a result, Margaret is no longer eligible for the Age Pension because her assets now exceed the assets test threshold. Margaret would like to invest the money left over from the sale of her home to create a regular income stream which would cover her living expenses, any aged care and medical costs, and allow her to continue spoiling her grandchildren. However, at her age, Margaret won t accept any market risk. Her main priorities are preserving her wealth to make sure she doesn t become a burden on her family, and leaving an inheritance for her grandchildren. Margaret decides to invest $200,000 in a CommInsure Lifetime Income Annuity, nominating annual payments with a maximum Guaranteed Period up to life expectancy. The annuity guarantees Margaret will receive annual income payments for the rest of her life. Importantly, if Margaret passes away during the Guaranteed Period of 8 years, her nominated estate will receive a lump sum payment. For example, if Margaret passed away at age 88, she will have already received $59,460 in annual payments, and importantly, her estate would receive a lump sum DBG payment of $125,000. If, however, Margaret lives beyond her life expectancy, she still has the peace of mind of knowing that her annuity will provide a regular income for as long as she lives. The table to the right illustrates how the Death Benefit Guarantee is calculated in this scenario.
11 Initial purchase price $200,000, 85 year old female with annual payments Death occurs after year: DBG after each year with a Guaranteed Period up to Life Expectancy (8 years) Income received p.a. Cumulative income received 1 $175,000 $19,820 $19,820 2 $150,000 $19,820 $39,640 3 $125,000 $19,820 $59,460 4 $100,000 $19,820 $79,280 5 $75,000 $19,820 $99,100 6 $50,000 $19,820 $118,920 7 $25,000 $19,820 $138, $19,820 $158, $19,820 $178, $19,820 $198, $19,820 $297,300 $200,000 $180,000 $160,000 $140,000 $120,000 $100,000 $80,000 $60,000 $40,000 $20,000 $ DBG after each year with a Guaranteed Period up to Life Expectancy (8 years) Withdrawal benefit at end of policy year Income received p.a. 1. Rates are illustrative only and are based on market conditions as at March
12 WITHDRAWAL BENEFIT AND HOW IT S CALCULATED Life is full of unexpected surprises which is why a CommInsure Lifetime Income Annuity with a Guaranteed Period provides investors with the flexibility to withdraw funds from their investment early should their circumstances change. While an annuity is designed to provide investors with a regular guaranteed income and not on-call access to capital, a CommInsure Lifetime Annuity offers a Withdrawal Benefit during the Guaranteed Period. The value of the Withdrawal Benefit depends on three factors: 1 Prevailing interest rates at the time of withdrawal; 2 Regular payments remaining to the end of the Guaranteed Period; and 3 Requirements under the Life Insurance Act. The tables to the right illustrate the value of the Withdrawal Benefit based on current interest rates and the impact if interest rates were to rise or fall by 1 per cent. 10
13 CALCULATING THE VALUE OF THE WITHDRAWAL BENEFIT Example 1: Investment amount $100,000 Lifetime Annuity 65 Male Guarantee Period (life expectancy) 20 Annuity frequency Annual First year annuity payment $5,350 CPI No Annuity indexation 0% RCV $0 Death occurs after year: Withdrawal Benefit at end of policy year No change in interest rate Interest rate +1% Interest rate -1% DBG after each year with a Guaranteed Period up to Life Expectancy (20 years) Income received p.a. Cumulative income received 1 $63,600 $58,750 $69,050 $95,000 $5,350 $5,350 2 $61,650 $57,150 $66,700 $90,000 $5,350 $10,700 3 $59,600 $55,450 $64,300 $85,000 $5,350 $16,050 4 $57,450 $53,550 $61,700 $80,000 $5,350 $21,400 5 $55,150 $51,600 $59,050 $75,000 $5,350 $26,750 6 $52,750 $49,550 $56,250 $70,000 $5,350 $32,100 7 $50,200 $47,300 $53,350 $65,000 $5,350 $37,450 8 $47,500 $44,900 $50,300 $60,000 $5,350 $42,800 9 $44,600 $42,350 $47,050 $55,000 $5,350 $48, $41,500 $39,550 $43,600 $50,000 $5,350 $53, $23,400 $22,750 $24,050 $25,000 $5,350 $80, $19,150 $18,700 $19,600 $20,000 $5,350 $85, $14,750 $14,450 $15,000 $15,000 $5,350 $90, $10,050 $9,900 $10,200 $10,000 $5,350 $96, $5,100 $5,050 $5,150 $5,000 $5,350 $101, $5,350 $107, $5,350 $133, $5,350 $160, Rates are illustrative only and are based on market conditions as at March The withdrawal value will be calculated based on a number of factors including the prevailing rates at the time you withdraw your investment and the regular payments remaining to the end of the Guaranteed Period (if applicable). 11
14 CALCULATING THE VALUE OF THE WITHDRAWAL BENEFIT Example 2: Investment amount $200,000 Lifetime Annuity 85 Female Guarantee Period (life expectancy) 8 Annuity frequency Annual First year annuity payment $19,820 CPI No Annuity indexation 0% RCV $0 Withdrawal Benefit at end of policy year Death occurs after year: No change in interest rate Interest rate +1% Interest rate -1% DBG after each year with a Guaranteed Period up to Life Expectancy (8 years) Income received p.a. Cumulative income received 1 $115,800 $111,700 $120,150 $175,000 $19,820 $19,820 2 $101,700 $98,500 $105,050 $150,000 $19,820 $39,640 3 $86,750 $84,350 $89,200 $125,000 $19,820 $59,460 4 $71,000 $69,400 $72,700 $100,000 $19,820 $79,280 5 $54,600 $53,600 $55,650 $75,000 $19,820 $99,100 6 $37,200 $36,650 $37,750 $50,000 $19,820 $118,920 7 $19,000 $18,800 $19,150 $25,000 $19,820 $138, $19,820 $158, $19,820 $178, $19,820 $198, $19,820 $297, Rates are illustrative only and are based on market conditions as at March The withdrawal value will be calculated based on a number of factors including the prevailing rates at the time you withdraw your investment and the regular payments remaining to the end of the Guaranteed Period (if applicable).
15 WHO SHOULD INVEST IN A COMMINSURE LIFETIME INCOME ANNUITY? Retirees and other income-focused investors who need a stable and reliable income for life or for the life of their partner. Retirees who are concerned they may outlive their retirement savings and want to make financial provisions for the long-term. Retirees who are concerned about current market conditions and don t want their capital or income to be affected by share market volatility. Retirees who want to leave an inheritance to their partner, children and grandchildren as part of their estate planning. WHY COMMINSURE? As a specialist in the annuities market, CommInsure s responsible approach to investing combines simplicity with competitive rates and responsible service. CommInsure has a long history of partnering with leading independent financial advisers to provide innovative investment and insurance solutions to their clients. A CommInsure Lifetime Income Annuity can help investors and advisers minimise uncertainty and boost financial security by delivering a stable guaranteed income stream for life. The new Death Benefit Guarantee provides retirees with the added comfort of knowing that their loved ones will be taken care of should they pass away unexpectedly.
16 WANT TO KNOW MORE For more information about CommInsure s range of annuities and other investment solutions, including the CommInsure Investment Growth Bond, please speak to your local CommInsure Retirement Business Development Manager. For contact details please visit: comminsureadviser.com.au/annuities Alternatively you can call us on: CIL Things you should know: This document was prepared by The Colonial Mutual Life Assurance Society Limited ABN AFSL (CMLA), a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN AFSL It is for the use of advisers only and is not to be issued in full or in part or otherwise made available to members of the public. It is information of a general nature only and should not be regarded as specific advice. Advisers should refer to the PDS and relevant life company policy documents for further clarification. CommInsure is a registered business name of CMLA. Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. CommInsure is not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.
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& Guidance TA Contents I m approaching retirement, what are my financial options? 02 What is a Financial Broker? 03 Why would I need to use a Financial Broker? 03 What is an annuity? 05 A Guide to Annuities