Important Information


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The information on this website is prepared by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). ‘CommInsure’ is used under licence by CMLA. The information is for the use of financial advisers and CMLA staff only and is not to be issued, reproduced in whole or in part, or made available to members of the public. CMLA accepts no responsibility for any loss occasioned to any person acting, or refraining to act, as a result of information on this website or any other service that may be accessed through the site, except to the extent the law provides otherwise.

The Investment Growth Bond and Lifestream Guaranteed income are all life insurance policies issued by CMLA. CommInsure Protection products, which consist of death, TPD, trauma and income protection cover, are also life insurance policies issued by CMLA, except for Total Care Plan Super.  Total Care Plan Super is a risk only superannuation product issued by Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468 (Trustee), the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. CMLA is responsible for the administration of Total Care Plan Super and provides insurance benefits to the Trustee as insurer.

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

You can obtain a PDS and SPDS from or by calling one of the contact numbers below:

  • For Guaranteed Annuities/Lifestream Guaranteed Income and Investment Growth Bond call 1800 624 100 between 8.30 am and 6 pm (Sydney time), Monday to Friday
  • For all other products call 13 1056 call between 8 am and 8 pm (Sydney time), Monday to Friday

CMLA and the Trustee are both wholly owned, but non-guaranteed, subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124 (CBA).

Unless a PDS for a product provides otherwise:

  • CBA and its subsidiaries do not guarantee the products issued by CMLA or the Trustee or the repayment of capital or interest by them, where applicable;
  • none of the products are deposits or other liabilities of CBA or its subsidiaries.

Taxation considerations are general and based on present taxation laws and may be subject to change. CMLA is 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 the information on this site to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.

CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business.

CMLA’s Privacy Policy

As part of operationalising the Joint Cooperation Agreement, CMLA has adopted the AIA Australia Group Privacy Policy