CommInsure Adviser - Guaranteed Annuities


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CommInsure Lifestream Guaranteed Income annuities are a low risk investment option for people who want a guaranteed income throughout their retirement. Clients invest a minimum lump sum of $10,000, either from their super or personal savings.

In return they receive regular, guaranteed payments based on:

  • amount invested
  • agreed interest rate
  • investment term, and
  • frequency of payments.

CommInsure Lifestream Guaranteed Income annuities are suitable for individuals or couples, companies, funds and trusts who want a regular retirement income.

  To order a PDS, login to the Adviser Portal


Features and benefits

CommInsure Lifestream Guaranteed Income annuities offer

  • Security – your clients’ capital and income are guaranteed, regardless of share market movements or changes to interest rates.
  • Flexibility – clients choose their preferred investment term and how often they want to receive payments.
  • Tax benefits – clients who invest with their super may be eligible for a 15% tax offset or even tax free payments.
  • Protection – clients can fix their interest rate or index in line with inflation.
  • Accessibility – at the end of the investment term your clients can access some, or all of their initial capital investment.



Our offer

CommInsure Lifestream Guaranteed Income has three different investment options. 

  • Short Term income: 1 to 5 years
  • Long Term income: 6 to 30 years
  • Lifetime

Technical Strategies

Diversify your investments

Help clients understand the importance of not putting all their eggs in one basket.

Security in times of volatility

Help clients protect their wealth and budget for the future.


Case Studies

Tax benefits

When investing with super money, income payments are tax free in most circumstances if you're aged 60 or over and there's a 15% tax offset if you're aged between 55 and 59 years.


Downsizing your home

When you retire you may want to downsize to a smaller property.


Contact your dedicated Retirement BDM


Simon Felice

0416 037 066


Vijay Mathew

0475 955 323

Things you should know:

Lifestream Guaranteed Income is issued by The Colonial Mutual Life Assurance Society Limited (CMLA) ABN 12 004 021 809 AFSL 235035. ‘CommInsure’ is used under licence by CMLA. Please view our Financial Services Guide. A Product Disclosure Statement (PDS) for the Lifestream Guaranteed Income annuity is available by clicking here.

Neither the AIA Group nor the Commonwealth Bank of Australia Group (excluding CMLA) nor their subsidiaries, guarantee Lifestream Guaranteed Income annuities or the repayment of capital or interest by CMLA. Investments in Lifestream Guaranteed Income annuities are not deposits or other liabilities of the AIA Group nor the Commonwealth Bank of Australia Group (excluding CMLA) nor their subsidiaries.

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

This is general information only and does not take into account your individual objectives, financial situation or needs. You should assess whether the information is appropriate for you and consider talking to a financial adviser before making any investment decision.  To apply for an annuity you need to complete the application process described in the PDS. The offer made in the PDS is only available to persons receiving the PDS within Australia. Applications from outside Australia will not be accepted.

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. You should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on information, to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.