The retirement landscape is changing, it's time to rethink retirement advice
With a growing number of Australians entering retirement, the demand for high-quality retirement income advice has never been greater. Equip your practice with the tools and strategies needed to address the complexities of retirement planning.
A Challenger annuity is a key component of a robust retirement income strategy
Including a Challenger Lifetime Annuity in your clients' retirement portfolio can enhance their confidence and overall retirement outcomes. It provides a layer of guaranteed regular income which can work favourably alongside an account-based pension and can help protect against longevity, inflation and market risks. Challenger also offers the most comprehensive range of lifetime annuity payment options in the market such as: fixed, CPI linked, RBA cash linked and 5 market linked options.
Retirement income resources designed for financial advisers
 | Retirement income guide
Discover our practical guide tailored for financial advisers. This comprehensive guide offers valuable context and background on the evolving retirement landscape, highlights the scale of the opportunity, and outlines key considerations for developing effective retirement income strategies.
|  | Client conversation toolkit
Enhance your client conversations with our comprehensive selection of retirement and annuity education for your clients, designed to facilitate meaningful and effective conversations with clients transitioning to retirement.
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Challenger’s wide range of annuity features are designed to support retirees
As Australia’s largest annuity provider, Challenger has the experience and expertise to deliver the features your clients are looking for such as choice in payments options (fixed, CPI linked, RBA cash linked and 5 market linked options), guaranteed death benefits, long withdrawal period and potentially favourable Centrelink age pension assessment.
Market-leading death benefit
Unlike other products in the market, our Liquid Lifetime Annuity offers a guaranteed death benefit for a period based on your clients' life expectancy, up to a maximum of 27 years. It can be up to 100% of the amount invested and is payable directly to the beneficiaries your clients nominate or their estate. Terms and conditions apply.1
Income for life
Give your clients the peace of mind that comes from receiving guaranteed monthly payments for life (and their spouse’s life if they choose) no matter how long your client may live.
Flexibility to access a lump sum
While lifetime annuities are designed to be held for life, there is a long withdrawal period based on your client’s life expectancy where they can cancel the investment and ask to be paid a lump sum amount equal to the withdrawal value, if their circumstances change2. Penalties do apply.
Estate planning control
A valid beneficiary nomination is binding on us. This means any death benefit won’t form part of your client’s estate and won’t be delayed by probate if they nominate one or more eligible beneficiaries (other than their estate).
Potential to boost Age Pension
Investing in a lifetime annuity may help to boost your client’s Age Pension - thanks to Government means testing rules.
Deferred payments
This option may be suitable for clients who are investing super monies and want regular income certainty but don’t want payments to start immediately.
No fees
Challenger Liquid Lifetime annuity has no product fees. We take the costs of providing the Challenger Liquid Lifetime annuity into account when we set up your client’s regular payments.
Tax free payments
Regular income is tax-free if your client is aged 60 or over and they use their super money to invest.
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Presenters: Andrew Lowe, David Saidey & Liz Shaw
30 Oct 2025 | 12pm AEDT
Webinar | Structures and strategies for building retirement income streams
30 October 2025 | 12PM AEDT
Join us for a focused, practical session to help you deliver stronger retirement outcomes for your clients. Drawing on years of adviser experience, we’ll cover:
- Key tips and common traps in retirement income planning
- How to test the sustainability of drawdown strategies
- Real-world case studies across varied market conditions
- Tools to model, compare and evaluate income strategies
Adviser tools to help you deliver quality retirement advice
Register now for your free access to AdviserOnline, our comprehensive adviser portal giving you access to tools that can help you guide your clients through retirement planning and transitioning to aged care.
Retirement Illustrator
Help your clients understand the benefits of a lifetime annuity by modelling the impacts of including a lifetime annuity as part of a retirement income plan, using our retirement illustrator tool.
Get a quote
Help your client enjoy peace of mind in retirement with a Liquid Lifetime annuity. Get started by requesting a personalised quote and explore how guaranteed, regular income can support their long-term financial goals.
Client toolkit
We have collated a comprehensive selection of retirement and annuity education for your clients with the aim of helping to facilitate effective conversations with clients transitioning to retirement.
Here to support you
Our dedicated team is here to help you achieve your clients’ retirement goals with confidence. Book a complimentary 15-minute strategy session with your local BDM to explore how our annuity solutions can support your advice process.
Why more advisers choose Challenger
With over 40 years of trusted experience, Challenger is the leading brand advisers turn to when it comes to delivering confidence in retirement. Our deep expertise, award-winning solutions, and commitment to innovation make us the market leader in retirement income.
- Market leader: Challenger is Australia’s leading retirement income brand3.
- Experience and expertise: Retirement solutions are our core business, backed by 40 years of experience and a commitment to innovation.
- Unmatched adviser support: Our nationwide distribution team is one of the largest in the market, offering personalised support to help you and your clients succeed.
- Proven track record: In FY24 alone, we paid approximately $6 billion in income to our customers4.
- Most trusted brand: Challenger is the most trusted brand in the market for longevity solutions3.