Lifestream Guaranteed Long Term Income

• the security of having your payments and capital guaranteed
• a choice of investing for between 6 and 30 years or for your lifetime
• highly competitive rates of return
• the ability to invest with your superannuation savings or personal savings
• the choice of receiving your payments monthly, quarterly, half-yearly or yearly
• the ability to have your payments increased each year by a fixed rate or CPI
• the ability to choose how much you want to receive back at the end of the period
• the ability to choose a guaranteed payment period of up to your life expectancy for lifetime investments
• the ability to withdraw your investment at any time

Payment Flexibility
You can choose to receive payments monthly, quarterly, half-yearly or yearly. You can also choose to receive them by cheque or direct to your bank, building society or credit union account.

Increasing Your Payments
You can choose to have your payments increased each year by a fixed rate of up to 8% or by increases in the CPI to help you keep up with increases in the cost of living.

Choose The Amount You Want To Receive Back
You can choose to have any amount between nil and 100% of the amount you invest returned to you at the end of the investment period (not available for lifetime investments). If you choose less than 100%, part of each payment you receive will be made up of your capital.

Guaranteed Period for Lifetime Investments
You can choose to have a minimum period of up to your life expectancy during which payments must be made for lifetime investments. This is known as a guaranteed period. If you die, payments will continue to the end of the guaranteed period.

Ability To Withdraw At Any Time
You can make a withdrawal at any time provided you withdraw all your investment. If you withdraw your investment, the amount you receive back is likely to be less than the amount you invested. You will receive an amount equal to the value, at the time you make the withdrawal, of any remaining payments and capital to the end of the fixed term. This will be calculated by allowing for the costs of setting up the investment and will use an interest rate based on rates prevailing at the time you invested and when you withdraw your investment. There is a charge of $50 if you request more than one calculation of the withdrawal value of your investment within any 12 month period.

For lifetime investments, if you choose a nil guaranteed period there will be no withdrawal value.

No Loss Of Payments On Death
You can choose to have the payments continue to another person on your death or they can continue to your estate. Alternatively, the person you nominate or your estate can withdraw the investment if they prefer to do so.

Minimum Investment
The minimum investment amount is $20,000.

Tax Advantages
If you invest with superannuation money, an offset of up to 15% may be claimed on part of the income you receive.

For more information or to apply for the Lifestream Guaranteed Long Term Income, please read the current Product Disclosure Statement issued by The Colonial Mutual Life Assurance Society Limited and available from your Adviser or by calling our Customer Service Centre on 13 10 56 (from overseas call +61 13 10 56), between 8am and 8pm (Sydney time), Monday to Friday.