An Investment Growth Bond has many of the features of other investments such as managed funds with the security and tax benefits of a life insurance policy. Your clients can select from nine investment options that invest in assets such as shares, property, fixed interest and cash.

Bonds can be a suitable investment for a broad range of people and across different stages in life. From young children to grandparents, high income earners to pensioners, the Bond suits a variety of investor’s needs. 

CommInsure Investment Growth Bond overview


Key benefits

Tax effective

  • If the bond is held for 10 years*, you can potentially withdraw all or part of the proceeds tax free.
  • If withdrawals are made within the 10 year period a 30% tax offset may apply to the assessable profit portion of the withdrawal.



  • The Death Benefit Guarantee
  • Capital guarantees on certain investment options.




  • Full access to capital
  • Flexible estate planning features
  • A range of investment options
  • The flexibility to switch investments at any time with no switching fee.


Alternative to super

  • Unlike super, there are no contribution caps, allowing you to increase your investment in the Bond by making additional contributions**.


*refer to the PDS for more information.

**subject to the 125% rule.


How to invest

To apply for an Investment Growth Bond, your clients will need:


Investment returns

Returns will vary depending on a number of factors, including the investment options in which your client invests and the length of the time they're invested in the Bond.

Fund profiles


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Technical strategies

Alternative to super

This strategy focuses on the different situations where insurance bonds may be more beneficial than contributing to super.

Learn more

Strategies for older clients

This paper focuses on how insurance bonds can assist with age pensioners and the Centrelink income test, tax benefits and providing for grandchildren.

Learn more

Saving for children

This paper focuses outlines how insurance bonds can help families provide a financial start in life for children and grandchildren.

Learn more

Tax solutions for high income earners

Insurance Bonds can provide high net worth clients with a means to increase their wealth and reduce their tax.

Learn more




Contact a dedicated BDM


Simon Felice

0416 037 066  



Stefanie Bond

0475 954 279 



Vijay Mathew

0475 955 323