Your pay cheque for life

Turn your savings into a guaranteed income for life.

Lifetime Income Fund

Your retirement's a new adventure

It's the reason you started saving all those years ago. But now that you're finally here, how do you make your savings last as long as you do?

Benefits of Lifetime

Why choose Lifetime?

A guaranteed income for life

Lifetime gives you certainty. You know you’ve got money coming in every fortnight to pay the bills, just like when you were working.

Protects your downside

You don’t need to worry about share market crashes or low interest rates affecting your income. With Lifetime, your income is insured and guaranteed for life.

Your money is always yours

If you need to withdraw some, or all of your investment down the track, you can. It’s your money and it’s always available. If you pass away, your balance will be paid to your estate.

Your income is secure

Lifetime is licensed as an insurance company by the Reserve Bank of New Zealand and regulated by the Financial Markets Authority. Your investment is held and supervised by the Public Trust, a crown entity.


Income Calculator

What could your income be?

See how much you could get using the Lifetime Income Calculator.

Between $25,000 and $1,500,000
Between 60 and 90
Between 60 and 90

How it works

Your pay cheque's stopped but the bills haven't

So how do you turn a lump sum into an income that will last the rest of your life?

Step 1

When you invest with Lifetime, your savings are invested in a balanced fund and your income is insured to make sure it lasts as long as you do.

Step 2

The fund provides you with a market investment return and regular withdrawals are made to fund your fortnightly income payments.

Step 3

Your income is paid into your bank account fortnightly and insured for life, regardless of what happens to interest rates or financial markets.

That's it!

Spend your income however you like. You're free to withdraw your account balance at any time and this will be paid to your estate if you pass away.


Meet the team

The team behind Lifetime

Photo of Ralph Stewart

Ralph Stewart

Director, Managing Director, Founder

Ralph Stewart was CEO of AXA Insurance New Zealand for 9 years and more recently the CEO of ACC. He has thirty years of experience in New Zealand's financial services sector, including 8 years as General Manager of Marketing & Strategy at TOWER Insurance. Ralph holds a Masters in Business Administration from Manchester University in England.

Photo of Diana Crossan

Diana Crossan

Director & Chairperson

Diana Crossan is the former Retirement Commissioner of New Zealand, a position she held for ten years. Prior to this, she was a Senior Executive with AMP and held senior leadership roles in the public sector. Her past directorships include Mighty River Power, NZ Post, and Wellington Free Ambulance.

Photo of Martin Hawes

Martin Hawes


Martin Hawes is one of New Zealand’s leading financial commentators and advisers. He has authored multiple books on personal financial planning including best-selling titles "Twenty Good Summers" and "Family Trusts". He is also a financial columnist.

Contact Us

Secure your income today

If you have any questions, please feel free to give us a call or send us an email.

Phone 0800 254 338