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Life insurance

Life Care

Life Care pays a lump sum on your death or upon the diagnosis of a terminal illness when there’s less than 12 months to live. It provides peace of mind for you and financial security for your family when they need it most. 

 

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Income Protection

Offering protection in case you can’t work due to illness or injury, the Income Care range replaces up to 75% of your regular income. It also includes an option to help cover superannuation payments. 

 

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Total and Permanent Disability Cover

If you suffer total and permanent disability, TPD Cover pays a lump sum to use as you choose – offering peace of mind in a difficult time.

 

Business Overheads Cover

Insurance that covers your business’s regular operating expenses if you can’t work due to sickness or injury. Designed for small business owners and the self-employed.

Trauma Cover

Trauma Cover provides a lump sum if you suffer from one of 48 specified conditions, whether you are able to work or not.

 

Case studies

Not sure what level and type of cover suits you? Here are some examples that may help illustrate your circumstance


  • Important Information
    Please refer to the relevant Product Disclosure Statement for full details of these benefits and when they are payable.

    As this advice (including the statements on taxation which are based on present taxation laws, rulings and their interpretation) has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. You should seek advice from your taxation adviser in relation to taxation matters.

    Income Care, Income Care Plus and Business Overheads Cover (the Income Care Range), Life Care, Total and Permanent Disablity Cover (TPD Cover) and Trauma Cover form part of Personal Insurance Portfolio. Personal Insurance Portfolio is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 (CMLA).

    CMLA and the Trustee are wholly owned subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124. Commonwealth Bank of Australia does not guarantee the obligations or performance of CMLA or the Trustee or the products they offer.

    Product Disclosure Statements (PDSs) describing the Personal Insurance Portfolio are available from your Financial Adviser, by downloading them from this website or by calling 13 10 56 (from overseas call +61 13 10 56) and should be considered in making any decision about these products.

 


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