Allianz Retire+
Allianz Retire+, the Australian retirement income arm of Allianz Australia Life Insurance Limited, offers AGILE — a protected investment and guaranteed lifetime income solution — to Australians aged 50-80 via financial advisers, the HUB24 platform, and superannuation fund partners.
- Company typePrivate
- Founded2018
- HeadquartersSydney, Australia
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Allianz Retire+ does
Allianz Retire+ is the retail-facing business name of Allianz Australia Life Insurance Limited, a wholly-owned subsidiary of the global Allianz Group, operating as a focused Australian retirement income solutions provider. Its core product, AGILE (Allianz Guaranteed Income for Life), is a retirement income solution combining protected investment growth potential with guaranteed lifetime monthly income. AGILE operates in two phases: a Growth Phase for accumulating savings with downside protection via Protected Investment Options linked to the S&P/ASX 200 Index and the MSCI World Net in AUD Index (offering Total or Partial Protection against market losses, with rising income payments that increase with positive returns but never decrease), and a Lifetime Income Phase that converts investment value into a guaranteed income stream for life. Additional features include Age Pension+ Option for optimising government pension eligibility, Spouse Insured Option for continuing income to a surviving spouse, and flexible access to funds for changing circumstances. Underwriting is supported by Allianz Group's prudentially regulated Statutory Fund No 2 and an AFSL (296559).
The business distributes AGILE through a hybrid go-to-market model spanning direct online applications, platform distribution (notably HUB24 Invest and HUB24 Super), a field sales team of Business Development Managers covering Australian states, and Group Retirement Solutions specialists engaging superannuation fund partners for enterprise integration. Target customers are Australians aged 50-80 (pre-retirees and retirees), financial advisers, and superannuation funds. Revenue is generated through recurring fees — a 0.30% p.a. product fee plus a 1.15% p.a. Lifetime Income Premium — on AGILE Investment Value, with minimum investments of $20,000 and maximum of $5 million per life insured. Supporting the core product is Ada, an AI-powered Adviser Digital Assistant chatbot launched in February 2026 to provide 24/7 conversational product knowledge support to advisers. Recent commercial signals include 30%+ AGILE growth reported for 2026, a Money Magazine 2025 Best of the Best Innovation award, and a 2% bonus promotion on AGILE investments running until 31 July 2026.
The company operates exclusively in the Australian market and is privately held as a subsidiary within the broader Allianz Group conglomerate, which traces its heritage to 1890. Product depth is supported by partnerships with PIMCO (investment management), MSCI and S&P (index infrastructure), Zenith Investment Partners and Lonsec Research (independent research ratings), and AdviserVoice (CPD education). The Future Safe product remains for existing investors but is closed to new business, concentrating forward growth on AGILE.
Allianz Retire+ firmographics
Firmographics- Name
- Allianz Retire+
- Legal name
- Allianz Australia Life Insurance Limited
- Website
- https://allianzretireplus.com.au
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Allianz Retire+, the Australian retirement income arm of Allianz Australia Life Insurance Limited, offers AGILE — a protected investment and guaranteed lifetime income solution — to Australians aged 50-80 via financial advisers, the HUB24 platform, and superannuation fund partners.
- Ownership category
- akta.pro rank
Allianz Retire+ industry classification
Industry- Product category
- Retirement Income Solutions
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Pension Funds (525110)
- SIC
- Life Insurance (6311), Investment Advice (6282)
- akta.pro primary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
- akta.pro secondary industries
- Whole Life Insurance (FSAIABAA), Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)
Keywords
Where Allianz Retire+ is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Allianz Retire+ business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Product Fees - Management Fee: Annual product fee of 0.30% deducted from AGILE Investment Value on Anniversary Date, date of full withdrawal, or date of later death.
- Lifetime Income Premium: Annual premium of 1.15% deducted from Investment Value. Provides certainty of guaranteed income for life even if policyholder outlives their savings. Premium ceases under Age Pension+ Option after meeting relevant conditions.
- Investment Management Returns: Returns from investment management of statutory fund assets, including exposure to equity indices with protection options.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard AGILE Investment |
| Subscription | Annual | Age Pension+ Option |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels9 records
Allianz Retire+ product offering
Product offeringCore offering
Allianz Retire+ provides retirement income solutions in Australia, primarily through AGILE (Allianz Guaranteed Income for Life), which combines protected investment growth potential with a guaranteed monthly income for life. The offering is distributed through financial advisers, the HUB24 platform, and superannuation fund partnerships, supported by an AI-powered adviser assistant (Ada) and institutional retirement solutions for super funds.
Product overview
Allianz Retire+ offers a focused retirement income product portfolio built around AGILE (Allianz Guaranteed Income for Life) as its primary core product. AGILE is a retirement income solution combining protected investment growth with guaranteed lifetime income, featuring a Growth Phase and Lifetime Income Phase. Supporting the core product is Ada, an AI-powered Adviser Digital Assistant providing conversational support for financial advisers. A legacy product, Future Safe, remains for existing investors but is closed to new business.
Differentiator
Problem solved
Functional benefit
Brands
- AGILE (Allianz Guaranteed Income for Life): Retirement income solution providing guaranteed lifetime income, protected investment growth potential, and flexible access to funds.
- Future Safe
- Ada
Products and services
- AGILE (Allianz Guaranteed Income for Life) A retirement income solution combining protected investment growth potential with guaranteed lifetime income payments. Features a Growth Phase for accumulating savings with market protection (Total or Partial Protection) and a Lifetime Income Phase for converting investment into guaranteed monthly payments for life. Available to Australians aged 50-80 via super or non-super money, with a minimum investment of $20,000 and maximum of $5 million per Life Insured.
- Future Safe A legacy retirement income product offering capital protection with investment options including Future Safe 21 (10 year and 7 year terms) and Future Safe 19. Closed to new investors; existing investors may change investment options at policy anniversary.
- Ada (Adviser Digital Assistant) An AI-powered digital assistant providing conversational support for authorised financial advisers, helping them quickly understand, explain and apply AGILE product knowledge through a simple chat interface available 24/7.
- Group Retirement Solutions Institutional offering delivered through Group Retirement Solutions specialists working with superannuation funds to create retirement offerings for their members. Integrates with super fund platforms via API, SFTP or middleware to deliver covenant-ready retirement income solutions to fund members.
Quantifiable outcome
- 30%+ AGILE growth in 2026
- +2 more outcomes
Companies that use Allianz Retire+
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Allianz Retire+ technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature6 records
Allianz Retire+ partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core.
- HUB24coreHUB24 is a platform distribution partner for AGILE, making the retirement income solution available to advisers and clients through HUB24 Invest & HUB24 Super.
- PIMCOcorePIMCO provides investment management and support services to Allianz Retire+. PIMCO Australia Pty Ltd manages assets supporting AGILE's Protected Investment Options.
- Zenith Investment PartnerscoreZenith provides investment research ratings for AGILE. Zenith Product Assessment report dated 9 Dec 2025 is available on Allianz Retire+ website.
- Lonsec ResearchcoreLonsec provides independent research reports on AGILE. Lonsec Research Report published 4 May 2026 available on website.
- AdviserVoicecoreAllianz Retire+ sponsors technical retirement and tax CPD through AdviserVoice, making CPD content accessible to financial advisers.
- EnsomblcoreCollaborated on 'Towards a Retirement Income Philosophy' adviser research report, drawing on expertise of five leading advisers.
- Bec WilsoncorePartnership with bestselling author and retirement educator Bec Wilson on research study 'How do we make retirements more epic?' exploring Australians' retirement experiences.
- fiftyfive5 (Accenture Song)coreCollaborated on qualitative research focusing on pre-retirees and early retirees' needs and motivations. Part of Accenture Song group.
- MSCIcoreMSCI indexes are used in AGILE's Protected Investment Options, specifically the MSCI World Net in AUD Index for global equity exposure.
- S&P Dow Jones IndicescoreS&P/ASX 200 Index is used for Australian equity exposure in AGILE Protected Investment Options.
- BloombergcoreBloomberg AusBond Credit 0+ Yr Index used in Future Safe product (now closed to new investors).
- Allianz GroupcoreAllianz Retire+ is a business name of Allianz Australia Life Insurance Limited. Leverages global Allianz Group resources, technology, and capabilities. Allianz SE is UN PRI signatory.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Allianz Retire+ competitors and assessment
Company assessmentDirect peers
- AMP Limited: Major Australian wealth manager operating superannuation, retirement income, and advised platforms. Comparable to Allianz Retire+ in targeting pre-retirees and retirees with retirement income solutions distributed via advisers and super fund partnerships.
- Insignia Financial: Owner of MLC, IOOF and OnePath wealth brands with significant Australian super and retirement income franchise. Directly comparable customer base (pre-retirees, advisers, super funds) and retirement-focused product suite to Allianz Retire+.
- Asteron Life (Suncorp): Suncorp-owned Australian life insurer offering life and retirement income products through advisers. Comparable in serving the advised Australian life and retirement income market, though with smaller product focus on retirement decumulation than Allianz Retire+.
- Challenger Limited: Australia's largest lifetime income and annuity provider. Direct competitor to Allianz Retire+ in offering guaranteed retirement income to Australian advisers, super funds, and retirees through a comparable product and distribution model.
- TAL Australia (Dai-ichi Life): One of Australia's largest life insurers, owned by Japan's Dai-ichi Life, offering individual and group life and retirement income products via advisers. Comparable statutory-fund life insurance structure and adviser distribution model to Allianz Retire+.
- AIA Australia: Asian-owned Australian life insurer offering life and retirement income solutions through advisers. Comparable product category (adviser-distributed life/retirement income), regulatory structure (APRA-regulated statutory fund), and target segments.
Broad incumbents
- BT Financial Group (Westpac): Westpac-owned wealth management business offering BT Panorama platform, super, and retirement income products. Comparable adviser-mediated retirement distribution and super fund relationships to Allianz Retire+.
- Colonial First State (CBA): Commonwealth Bank of Australia's wealth and superannuation arm offering retirement income solutions across FirstChoice and FirstWrap platforms. A larger incumbent providing adviser-distributed retirement solutions overlapping with Allianz Retire+'s target customer.
Regional players
- Corebridge Financial: US-based leading retirement services and life insurance company (formerly AIG Life & Retirement). Direct international peer for retirement income / protected investment product design and adviser distribution, though operating in the US market rather than Australia.
- Legal & General (UK Retirement): UK-headquartered global life insurer with large retirement income (annuity) franchise. Useful international benchmark for guaranteed lifetime income product economics and adviser distribution — same product category as Allianz Retire+ but operating in UK/European geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Allianz Retire+ social profiles
Digital presenceAllianz Retire+ compliance and trust
Trust signalCompliance3 records
Allianz Retire+ financial estimates
Financial estimateRevenue estimate
Valuation estimate
Allianz Retire+ leadership team
Management profileNumber of profiles
Profiles14 records
Allianz Retire+ funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Allianz Retire+ M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Allianz Retire+
What does Allianz Retire+ do?
Allianz Retire+ provides retirement income solutions in Australia, primarily through AGILE (Allianz Guaranteed Income for Life), which combines protected investment growth potential with a guaranteed monthly income for life. The offering is distributed through financial advisers, the HUB24 platform, and superannuation fund partnerships, supported by an AI-powered adviser assistant (Ada) and institutional retirement solutions for super funds.
Is Allianz Retire+ a public or private company?
Allianz Retire+ is a private company. It is classified as corporate owned and is currently operating.
When was Allianz Retire+ founded?
Allianz Retire+ was founded in 2018. It employs 51 to 100 people.
Where is Allianz Retire+ based?
Allianz Retire+ is headquartered in Sydney, Australia, in the Oceania region.
How does Allianz Retire+ make money?
Three revenue lines are on record. Product Fees - Management Fee is the primary driver. The others are lifetime Income Premium and investment Management Returns.
Who are Allianz Retire+'s main competitors?
Direct peers on record are AMP Limited, Insignia Financial, Asteron Life (Suncorp), Challenger Limited, TAL Australia (Dai-ichi Life) and AIA Australia. Broad incumbents are BT Financial Group (Westpac) and Colonial First State (CBA). Regional players are Corebridge Financial and Legal & General (UK Retirement).
Does Allianz Retire+ have an API?
No public API is recorded for Allianz Retire+.
What industry is Allianz Retire+ in?
Allianz Retire+'s product category is Retirement Income Solutions. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory, with a secondary code of FSAIABAA, Whole Life Insurance. Its NAICS code is 52411 and its SIC code is 6311.