New strategies that help protect against inflation and longevity risk.

A fresh approach to using lifetime income annuities.

Enhance your service offering to clients, by discovering a unique way to present the true value of lifetime income annuities over the long term.   

Research into annuitisation strategies specifically adapted for Australian retirees has been conducted by David F Babbel, a leading American professor of insurance and finance.

This research presents a fresh approach for the use of lifetime annuities to the Australian market, which will support the value of your ongoing advice with clients.

Learn about this great strategy and get regular annuity rate updates by signing up today. 

A fresh approach to annuitisation strategies

Through the research of Dr Babbel you’ll discover:

  • When clients should be utilising lifetime annuities
  • How clients should be utilising lifetime annuities to their full potential
  • What a staggered annuitisation strategy is and how to implement it
  • How annuities fit into this new annuitisation strategy for a seamless retirement solution for your clients
Dr David Babbel

Who is Dr David Babbel?

Dr David F Babbel, PhD, is a Professor Emeritus of Business Economics and Public Policy, Professor of Insurance and Finance, and Fellow in the Financial Institutions Centre at the Wharton School of the University of Pennsylvania.

He has been a consultant to some of the largest financial institutions in the world and has published over 130 books and scholarly articles on investment and insurance topics.

Recently he was challenged to study the Australian economy, its annuitisation strategies and usage, and adapt his risk-averse approach to one that could work in Australia. 

As a result he has a proposed an answer to the ‘when’ and ‘how’ of purchasing Lifetime Annuities. 

Contact your dedicated Retirement BDM


Simon Felice

0416 037 066



Stefanie Bond

0475 954 279



Vijay Mathew

0475 955 323



Jesse Rau

0414 083 444


Things you should know:

Lifestream Guaranteed Income Annuities and CommInsure Investment Growth Bond are issued by The Colonial Mutual Life Assurance Society Limited (CMLA), ABN 12 004 021 809, AFSL 235035 a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (Bank). CommInsure is a registered business name of the CMLA.

A Product Disclosure Statement (PDS) for Lifestream Guaranteed Income Annuities is available by clicking here. A PDS for the CommInsure Investment Growth Bond is available by clicking here. They can also be obtained from your Financial Adviser or by calling CommInsure on 1800 624 100. Please also view our Financial Services Guide.

The Bank and its subsidiaries (excluding CMLA) do not guarantee or in any way stand behind Lifestream Guaranteed Income Annuities and CommInsure Investment Growth Bond or the repayment of capital or interest by CMLA. Investments in these products are not deposits or other liabilities of the Bank or its subsidiaries (excluding CMLA).

The offers made in each PDS are currently available only to persons receiving this document within Australia. Applications from outside Australia will not be accepted.

This information is general advice only. You should consider your personal circumstances, financial objectives and needs and the relevant product disclosure statement before making a decision to purchase or continue to hold a product

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 information in the case study to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.