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This information on this website was prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (“CMLA”). The information is for the use of advisers and staff only and is not to be issued, reproduced in whole or in part, or made available to members of the public. CommInsure accepts no responsibility for any loss occasioned to any person acting or refraining from action as a result of material in this service, or any other service that may be accessed through this site, except to the extent that any liability under any law cannot be excluded.

As this information has been prepared without considering your client's objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your client’s circumstances and before making any decision about the product consider the relevant Product Disclosure Statement (PDS) and any Supplementary Product Disclosure Statement (SPDS) document.

Investment Growth Bond and Lifestream Guaranteed Income and other life insurance policies are issued by CMLA. Superannuation risk only product Total Care Plan Super is issued by the Colonial Mutual Superannuation Pty Ltd ABN 56 006 831 983 AFSL 235025, the trustee of the Colonial Super Retirement Fund ABN 40 328 908 469, (“the Trustee”). For a copy of PDS please refer to relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) from commbank.com.au or by calling contact numbers as listed below. CMLA and the Trustee are both wholly owned but non-guaranteed subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124.

Contact numbers:

Life Insurance 13 1056 (within Australia)

Guaranteed Annuities/Lifestream Guaranteed Income and Investment Growth Bond 1800 624 100 (within Australia)

Commonwealth Bank of Australia ABN 48 123 123 124 and its subsidiaries (excluding CMLA) do not guarantee or in any way stand behind Investment Growth Bond and Lifestream Guaranteed Income or the repayment of capital or interest by CMLA. Investment in Investment Growth Bond and Lifestream Guaranteed Short Term Income Annuity are not deposits or other liabilities of Commonwealth Bank of Australia or its subsidiaries (excluding CMLA), and investment-type products are subject to investment risk including loss of income and principal invested.

Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information.

CommInsure is also not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.