Investment Growth Bond Guarantees

Providing investment solutions in uncertain times

Now more than ever, you might think customers need to sacrifice higher returns for the sake of investing safely and securely. But prudent investing doesn’t mean their money can’t still work hard, even in today’s low-interest environment and during these uncertain times. 

Our award-winning Investment Growth Bond offers security with two guarantees that differentiate it from other investment bond providers in the market. We’ve also been recognised by the Association of Financial Advisers (AFA), winning Investment Bond of the Year 12 years running1.

Investment Option Guarantees

Offered on four of our nine investment options:

NC - Cash

NC - Global Fixed Interest

NC - Conservative

NC - Diversified

The NC-Cash option offers a guarantee that the unit price will never fall. This means any rise in the unit price since the units were purchased is also guaranteed.

For the other three options, if your client withdraws or switches units after they've been held for a minimum period (two years for NC-Global Fixed Interest and three years for NC-Conservative and NC-Diversified options), 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 younger 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 99th 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).

For full details on our guarantees, please read our Product Disclosure Statement.

Our investment advantage

Learn more about the CommInsure investment approach and the strategies we use to reduce risk and increase risk-adjusted returns.

Help your clients grow their investment with confidence

Learn more about the features and benefits of our award-winning investment bond. Offering a choice of nine investment options including four multi-sector options and five single-sector options.

Discover more >


Access a range of strategy papers

From ways to increase wealth in a tax effective manner, to estate planning tools, to giving children a financial start in life. Access a range of strategy papers that illustrate how investment bonds can form part of a number of strategies for a clients’ portfolio.

Access strategy papers >

Need more information on how to start investing with us?

Contact your local retirement business development manager or our contact centre for more information on our Investment Growth Bond and how your client can start investing with us.

Contact Centre
New Business

1800 624 100

Mon - Fri 8:30am - 6pm (Sydney time)

1Association of Financial Advisers (AFA) Investment Bond of the Year winner from 2008 through to 2019.

Things you should know:

CommInsure Investment Growth Bond 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 and the CommInsure Investment Growth Bond PDS is available by clicking here.

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 remains 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

Neither the AIA Group nor the Commonwealth Bank of Australia Group (excluding CMLA) nor their subsidiaries, guarantee the performance of the Investment Growth Bond or the repayment of capital or interest by CMLA. Investments in the Investment Growth Bond are not deposits or other liabilities of the AIA Group nor the Commonwealth Bank of Australia Group (excluding CMLA) nor their subsidiaries. Investment products are subject to investment risk including loss of income and principal invested as described in the PDS. CMLA as product issuer does not guarantee the performance of the Investment Growth Bond except as expressly stated in the PDS.

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 a CommInsure Investment Growth Bond 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 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.