Focus on what's ahead

Safety and security are important for many people. You can help your clients focus on what’s ahead with CommInsure’s award-winning Investment Growth Bond.

Our Investment Growth Bond offers two guarantees that differentiate it from other investment bond providers in the market, and has been recognised and awarded the Association of Financial Advisers (AFA) Investment Bond of the Year for the last 12 years¹.

Our guarantees

The investment option guarantees are designed to help provide certainty around the minimum value of a client’s holding in an investment option.
We offer these guarantees on four of the nine investment options: the NC - Cash, NC - Global Fixed Interest, NC - Conservative and NC - Diversified investment options. It’s important to note that the nature of the guarantees differ across each investment option².

Our Death Benefit Guarantee helps to provide certainty on the minimum amount that will be paid on the death of the last surviving life insured³.
To qualify for the guarantee, the youngest life insured on the policy must be aged less than 85 years at policy commencement.

For more information on the above guarantees and features of our Investment Growth Bond, please read our Product Disclosure Statement.

Award-winning

Our Investment Growth Bond has won the AFA Investment Bond of the year for 12 consecutive years, from 2008 to 2019. AFA annually benchmarks providers in the investment bond market and provides scores on financials, market and product strength factors.

To access resources about our Investment Growth Bond, or if you need more information on how they can benefit your clients, please visit us online or contact your dedicated Retirement Business Development Manager.

¹Association of Financial Advisers (AFA) Investment Bond of the Year winner from 2008 through to 2019.
²If you withdraw or switch units out of the investment option after they’ve been held by you for a minimum period (two years for NC - Global Fixed Interest and three years for the 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 you were allocated those units or switched into this option. The NC - Cash option offers a guarantee that the unit price will never fall irrespective of the length of time the Investment Growth Bond has been held.
³If the last surviving life insured dies on or prior to their 99th birthday, we will pay the greater of the following amounts:
a. The cash value of the bond,
or
b. The lesser of the Net Contribution Value and the maximum amount (the maximum amount is $1 million per life insured).
The Net Contribution Value is the total of all deposits, less any withdrawals during the life of the policy and less any switching fees, withdrawal fees and adviser service fees.
Where multiple Investment Growth Bond policies have the same Life Insured nominated, Colonial Mutual Life Assurance Society Limited (CMLA) will guarantee a total of the maximum amount across all policies.

Things you should know:
This information 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. 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. 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 and should be considered before making any decision about the products. Taxation considerations are general and based on present taxation laws and may be subject to change. CommInsure is also 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.

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