• Want a guaranteed pension payout, which cannot decrease, for the rest of their lives
• Want to benefit from investment market performance, whilst enjoying protection against market shocks and crashes
• Are happy to share some investment risk with the insurer, with the benefit of significant upside potential
• Are seeking a product that can target specified increases, with some variation, at a more affordable price than a guaranteed annuities
• Want a with-profit product that is tailored to provide competitive and stable increases in challenging economic conditions

Offers a retirement fund solution to meet the needs of pensioners by using smoothed weighted average of recent underlying investment returns, to determine annual increases in the pension amount, with a guarantee that the pension will never decrease and will be paid for life.

• Want a guaranteed pension payout, which cannot decrease, for the rest of their lives
• Want their pension to increase in line with Consumer Price Inflation, to achieve a real income over time
• Want a flexible increase date
• Want a 13th cheque in any chosen month

Provides a guaranteed monthly pension with annual increases equal to inflation for the rest of pensioners’ lives; the increase is equal to the Consumer Price Index, lagged by four months.

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• Want a guaranteed pension payout, which cannot decrease, for the rest of their lives
• Want their pension to increase by a predetermined percentage each year
• Want a flexible increase date

Provides fixed rate increases or level annuities for the rest of pensioners’ lives.

• Want a guaranteed pension payout, which cannot decrease, for the rest of their lives
• Want to receive a transparent increase based on a defined formula
• Want a high equity component (50%) that will give them higher expected increases in future
• Want increases strictly based on the performance of the indices, ensuring that the guarantees of a 0% minimum are met
• Want a product that has outperformed Sanlam’s current with profit annuity and its competitors

Offers a transparent retirement fund solution to better meet the needs of pensioners by using a simple formula to determine annual increases in the pension amount, with a guarantee that the pension will never decrease.

• Want a guaranteed pension payout, which cannot decrease, for the rest of their lives
• Want to have more stable increases in different economic conditions than they would get with with-profit annuities

Guarantees to pay out the current level of pensions, plus increases over the rest of pensioners’ lives by reducing the guarantee fee to zero while investing the remainder of the assets to maximise increases.

• Want a guaranteed pension payout, which cannot decrease, for the rest of their lives
• Want to know that increases, once added, cannot be taken away or reduced

Allows pensioners to share in the investment returns earned on the underlying annuity portfolio through annual pension increases.