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Guarantee Your Retirement Income for Life

Will your retirement savings last as long as you do? Secure your golden years with guaranteed pension insurance, ensuring peace of mind and financial stability.

  • Guaranteed Lifetime Payouts
  • Inflation Protection Options
  • Flexible Contributions
  • Beneficiary Protection
Calculate Your Pension Book a Consultation

Choose the Pension Plan That Fits Your Future

Our flexible pension insurance solutions provide guaranteed income for life, protecting you from market volatility and longevity risk while adapting to your changing needs.

Immediate Annuity

Start receiving payments shortly after your initial lump-sum contribution. Ideal for those nearing or in retirement seeking immediate, predictable income.

  • Predictable Monthly Income
  • Ideal for Retired Individuals
  • Simple Setup

Deferred Annuity

Grow your funds tax-deferred and defer payments until a future date, often retirement. Perfect for long-term planning and wealth accumulation.

  • Tax-Deferred Growth
  • Long-Term Planning
  • Flexible Payment Start

Variable Annuity

Offers investment growth potential tied to market performance, with various investment options. For those comfortable with some market risk.

  • Market Growth Potential
  • Diverse Investment Options
  • Professional Management

Fixed Annuity

Provides a guaranteed interest rate for a set period, offering stable and predictable growth without market exposure. Ideal for risk-averse individuals.

  • Guaranteed Interest Rate
  • No Market Risk
  • Predictable Returns

Calculate Your Retirement Income Needs

Use our intuitive calculator to estimate your future financial requirements and discover how pension insurance can bridge any gaps, ensuring a comfortable retirement.

Projected Outcome:

Based on your inputs, your estimated retirement income gap could be AUD $XX,XXX per year. Our pension insurance solutions aim to cover this difference, providing peace of mind.

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Plan your future with confidence using our pension income calculator.

Maximize Your Tax Advantages and Ensure Compliance

Navigate the complexities of Australian tax laws with our expert guidance, ensuring your pension insurance strategy is optimized for minimal tax implications and maximum returns.

Illustration of a tax document with a magnifying glass and Australian currency, representing tax efficiency.
Australian Tax Benefits Explained

Pension insurance contributions and payouts in Australia can offer significant tax advantages. We'll help you understand deductibility, tax-free income streams, and how to optimize your superannuation contributions in conjunction with your pension plan to reduce your overall tax burden during your working years and in retirement.

  • Tax-deductible contributions
  • Tax-free income for recipients over 60
  • Optimizing superannuation caps
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Ensuring ATO and Centrelink Compliance

Our specialists ensure your pension insurance aligns with all relevant Australian Taxation Office (ATO) and Centrelink regulations. We evaluate the impact on age pension eligibility and provide clear advice on disclosure requirements, safeguarding your benefits and preventing unforeseen issues.

  • Adherence to Superannuation rules
  • Centrelink asset and income test guidance
  • Estate planning considerations

Real Retirees Sharing Their Pension Insurance Experience

Hear directly from our clients about how SecureShield Insurance helped them achieve their retirement dreams with confidence and financial peace of mind.

Portrait of a smiling mature woman, Margaret.
Margaret S., 72
Retired Teacher, Perth, WA

"After unexpected market volatility, SecureShield's pension insurance ensured my income never wavered. It's truly given me the financial stability I needed to enjoy my golden years stress-free."

Portrait of a smiling mature couple, David and Susan.
David & Susan K., 68 & 65
Small Business Owners, Brisbane, QLD

"We chose a flexible plan that allowed us to travel extensively. The guaranteed income means we're not constantly checking the stock market, just our next flight details!"

Portrait of a smiling older man, John.
John L., 75
Retired Engineer, Sydney, NSW

"When my wife passed, the death benefit payout from our pension plan was seamless and provided immense relief. SecureShield handled everything with compassion and efficiency during a difficult time."

Common Questions About Pension Insurance

Find quick answers to your most pressing questions about pension insurance. If you can't find what you're looking for, our team is ready to assist.

While superannuation is a retirement savings vehicle, pension insurance (specifically, an annuity) converts a lump sum into a guaranteed income stream, often for life. Superannuation accumulations are subject to market fluctuations, whereas pension insurance can provide certainty and guard against longevity risk, ensuring you don't outlive your savings.
Many pension insurance plans offer death benefit options. Depending on the specific terms you choose, any remaining value or a specified benefit can be paid to your designated beneficiaries, ensuring your legacy is protected. Our specialists can discuss the various options available.
Pension insurance products are designed for long-term income, so early access provisions are typically limited and may incur penalties. However, some policies may include options for partial withdrawals or loans under specific circumstances. We will fully explain any access conditions during your consultation.
Payout rates are influenced by factors like your age, the amount contributed, prevailing interest rates, and the specific type of annuity chosen. For fixed annuities, the payout rate is guaranteed upon issue. For variable annuities, payouts can fluctuate based on investment performance, though often with guaranteed minimums or other protective features. We provide clear projections and guarantees tailored to your plan.
Chat with a Specialist

Speak with a Pension Insurance Specialist Today

Ready to secure your financial future? Schedule a free, no-obligation consultation with our certified retirement planning specialists. We'll help you craft a personalized pension strategy that fits your unique needs.

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Our experts are ready to guide you towards a secure retirement.
Book Your Free Consultation

Or call us directly: 1300 SHIELD (1300 744353)