Keep your eyes on a secure tomorrow

From 29 June 2019 until 31 December 2019, CommInsure is offering a special rebate on initial investment amounts of $100,000 and over into new Investment Growth Bonds.

Guarantees to help your clients invest confidently.

CommInsure is the only investment bond provider to provide two guarantees designed to help protect clients' capital against market risk.

Investment Option Guarantees

Designed to provide certainty as to the minimum value of your clients' holdings in an investment option. Offered on four of the nine investment options:

NC* - Cash

NC* - Global Fixed Interest

NC* - Conservative

NC* - Diversified

The Cash option offers a guarantee that the unit price will never fall irrespective of the length of time the CommInsure IGB has been held.

For Global Fixed Interest, Conservative and Diversified options, if your client withdraws or switches units after they've been held for a minimum period, the unit price used to calculate the withdrawal or switch will be at least equal to the price at the time your client was allocated those units or switched into this option.**

Death Benefit Guarantee

Provides certainty as to the minimum amount that will be paid on the death of the last surviving life insured.

To qualify for the guarantee, the youngest life insured on the policy must be aged less than 85 years at policy commencement. If the last surviving life insured dies on or prior to their 90th birthday, CommInsure will pay the greater of the following amounts:

a. The cash value of the bond,


b. The lesser of the Net Contribution Value and the maximum amount (the maximum amount is $1 million per life insured).

See the PDS for full details, including minimum investment periods.

Discover CommInsure Investment Growth Bond

What is an investment bond?

Also known as an insurance bond, it combines many of the features of a managed fund and a life insurance policy, with the added benefit of the investment bond provider paying 30% tax on any earnings in the bond, rather than an individual paying tax on earnings at their marginal tax rate.


Invest Smarter strategy papers

CommInsure has produced a range of Strategy Papers that illustrate how investment bonds can form part of a number of strategies for a clients’ portfolio.

These strategies range from ways to increase wealth in a tax effective manner, to estate planning tools, to giving children a financial start in life.

To find out more:

  • Speak to your local Retirement Business Development Manager.
  • Call 1800 624 100 between 8:30am and 6pm (Sydney time), Monday to Friday.


Simon Felice

0416 037 066


Vijay Mathew

0475 955 323

Things you should know:

*Nil Commission

**Withdrawals or switches before the minimum period mentioned above will use the unit price calculated for the day on which the withdrawal or switch occurs.

The information contained on this web page is of a factual nature only and is not intended to constitute financial product advice. It has been prepared without considering your individual objectives, financial situation or needs. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information. Please view our Financial Services Guide.

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

A Product Disclosure Statement (PDS) for the CommInsure Investment Growth Bond is available by clicking here, from your financial planner or by calling 1800 624 100 between 8:30am and 6pm (Sydney time), Monday to Friday. and should be considered before making any decision about the products.

Commonwealth Financial Planners are Representatives or Authorised Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.

The offers made in the CommInsure Investment Growth Bond PDS are currently available only to persons receiving the documents 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. You should seek independent, professional tax advice before making any decision based on this information.

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