Financial planning doesn’t end the day you retire —it’s a continuous process that must adapt to evolving needs, shifting risk tolerance, and market changes.
With Glacier, clients can unlock new possibilities well into retirement. Those with a living annuity can switch to a life annuity later for added security, especially as healthcare costs rise, decision-making becomes harder, and market volatility poses greater risks; and with current bond yields, life annuity rates remain favourable for those looking to secure a guaranteed income for life.
Let us help you unlock a sustainable retirement income solution with the right annuity strategy, at retirement and beyond.
Ensuring long-term financial security
It is important to review your retirement income strategy regularly, and even if you’ve started your retirement with a living annuity, you can switch your living annuity, or a portion thereof, to a life annuity later on, to ensure that your income remains sustainable throughout retirement.
A winning retirement strategy
The choice between a life annuity, a living annuity, or a combination of the two can shape your financial well-being throughout retirement. While life annuities provide a guaranteed income for life, living annuities provide flexibility, and a combination of the two ensures security as well as growth.
Glacier by Sanlam offers a wide range of retirement income solutions, allowing you to design a customised plan that caters to your unique needs. Whatever the need, Glacier’s retirement income solutions provide the answer.
A good time for life annuities
Did you know that life annuity rates have increased significantly over the past five years?
Amid market uncertainty, like we’re currently experiencing, bond yields rise and subsequently life annuity rates increase. Don't miss the opportunity to lock in strong, reliable, lifelong income when yields are elevated.
Life annuities can provide a secure income and a
You can secure both a guaranteed retirement income and a for loved ones with the right life annuity solution.
Most people think life annuities are purely income tools. But they’re missing a key opportunity. With thoughtful structuring – such as a joint life annuity, guaranteed payment term, and linking the annuity to a life cover policy – you can extend a life annuity’s financial impact beyond your lifetime.
It is important to consult an accredited financial adviser for expert guidance on structuring retirement income.
