Investment Growth Bond


I'm an adviser looking for solutions for my customers.

I'm looking for personal products.

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


Having trouble seeing the latest performance report? Press "Ctrl+F5" when the PDF is open in your browser, or failing that try clearing your cache.


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 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:

CommInsure Investment Growth Bonds 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 the CommInsure Investment Growth Bond is available by clicking here. It 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 the 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 this 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.