Live your retirement in comfort and security

A lifetime income stream is a retirement product that gives you a regular income for the rest of your life.

Our lifetime income streams

 

Lifetime Income

This retirement product is open to UniSuper members who are eligible to start a pension and have at least $25,000 in super.
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Supplement your income

Use as an income source to protect yourself from outliving your retirement savings.
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Guaranteed income

You’re guaranteed a minimum amount over 10 years in most cases. Your annual income is indexed in line with CPI.
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Look after your partner

You can choose a joint life option so your partner can receive your payments if you pass away.

How to apply

Before applying, read the Product Disclosure Statement (PDF, 1.15 MB) and Target Market Determination (PDF, 116 KB) and consider getting financial advice from a qualified financial adviser.

Document download

Complete the form in the back of the Lifetime Income PDS (PDF, 1.15MB) and return it to us, along with certified copies of your ID.

Defined Benefit Indexed Pension 

This retirement product is open to UniSuper members who have been a continuous Defined Benefit Division member since before 1 July 1998.
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No minimum amount

You can use some or all of your defined benefit component to start a Defined Benefit Indexed Pension.
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Look after your partner

If your partner outlives you, they’ll receive part of your pension for as long as they live.

How it’s calculated

We offer two types of Defined Benefit Indexed Pensions for eligible Defined Benefit Division members. Each option is calculated differently and provides different benefits when you retire.

 

For more information, read the How Defined Benefit Indexed Pension (DBIP) is calculated fact sheet (PDF, 116 KB) and the Defined Benefit Indexed Pensions Product Disclosure Statement (PDF, 3.38 MB).

How to apply

Before applying, read the product disclosure statement and consider getting financial advice from a qualified financial adviser.

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Complete the form in the back of the  Defined Benefit Indexed Pension PDS (PDF, 3.38MB) and return it to us, along with certified copies of your ID.

We're here to help

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Understand your options

For more information about your retirement income options call us on 1800 331 685.
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Learn more at a seminar

Our seminars cover super and pension-related topics to help you make the right choices for retirement.
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Get financial advice

For general advice at no extra cost or a personalised retirement plan from a qualified financial adviser, we can help set you up for retirement.

The information is of a general nature and doesn't consider your personal circumstances. Before making decisions, you should consider the PDS and TMD on our website, and whether the information is appropriate for your circumstances otherwise seek financial advice.

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