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With Challenger annuities,

you can enjoy safe, reliable

retirement income.

Ask your financial adviser,

visit challenger.com.au

or call 1300 362 888.

challenger

F u tu re -p ro o f y o u r re tire m e n t

Future-proof your retirement.

As we all know, the share market

can go down as well as up. When

you're younger and working, you

have time on your side to recover

from any market falls. But if you're

at or near retirement, these same

events can have a devastating

impact on your retirement income.

If you've started thinking about

your retirement, it's time to

start thinking about more secure

investments like Challenger

annuities as part of your

superannuation portfolio.

They provide a safe, reliable

income for terms ranging from

1

to 50 years.

Unlike other safe investments,

they don't sacrifice

performance for security.

Challenger's annuity rates

are usually higher than

comparable term deposits

and they have often

outperformed the average

'balanced' managed fund.

Challenger Life Company Limited ABN 44 072 486 938, AFSL 234670 (Challenger Life) issues Challenger annuities. Before making any investment decision about annuities, consider

the current product disclosure statement (available from your financial adviser or our website: www.challenger.com.au) and the appropriateness of the annuity to your circumstances

(including the risks). It is assumed that an annuity is held until its maturity date. Past performance is not a reliable indicator of future performance. Challenger Life's obligation to make

payments under an annuity is a contractual obligation and is subject to the terms and conditions of the applicable annuity and the Life Insurance Act (Act). The payment obligations of

Challenger Life are limited to the available assets of the Challenger Life Statutory Fund No. 2, except if otherwise provided under the Act.