var stage1_copy = " Annie was 27 when she witnessed a serious skiing accident that left her friend financially vulnerable and unable to work. Annie decided it was a good time to take out a trauma and income protection policy that could help protect her in such a situation.

"; stage1_copy += "Two years later, Annie was diagnosed with Multiple Sclerosis. Whilst her life changed completely, the Trauma Cover policy she took out with CommInsure helped her cover the costs of managing her illness and to maintain her quality of life, especially her annual trip to the snow.

"; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += " "; stage1_copy += "
Annie's Costs1
Annie's Occupation Personal Assistant
Smoker No
State of residence NSW
Trauma policy value $300,000
Income protection policy (monthly benefit) $3,125 (1 month waiting period)
Benefit Period To age 65
Expiry Date To age 65
Indemnity Yes
Stepped premiums2 Yes
Approx. cost Total $83.37 per month or $2.74 per day
"; stage1_copy += "(Trauma $38.42 per month and income protection $44.95 per month)
"; stage1_copy += "
"; stage1_copy += ""; stage1_copy += "1This case study is for illustrative purposes only and does not reflect any particular person. All costs are indicative only and include a monthly $5 policy fee. Actual premiums are assessed on an individual basis.
"; stage1_copy += "2Stepped Premiums increase each year with age.
"; stage1_copy += "

CommInsure is a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). Trauma cover and income protection are available through Life and Income Protection and Personal Insurance Portfolio, which are issued by CMLA. Product Disclosure Statements (PDSs) describing these products are available at comminsure.com.au and should be considered before making a decision to acquire these products. Please refer to our Financial Services Guide. This information has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice, you should consider it's appropriateness to your circumstances. "; stage1_copy += "
"; stage1_copy += "
"; var stage2_copy = " "; stage2_copy += "Michael and Lisa, both 28, learn they are having their first baby soon after buying their first house. Both working full time, they take out CommInsure life insurance to protect their future.

"; stage2_copy += "Michael remembers his family's financial difficulties after losing his own father in an accident when he was 16. He wanted to avoid exposing his own family to similar risk and took out a policy to; "Help ensure that if the worst happens, my family has the financial independence that I missed out on."

"; stage2_copy += "Michael is a computer programmer and non smoker and took out a life insurance policy of $800,000 and an income protection policy with a monthly benefit of $4,375. Lisa, was currently working as a sales manager, but knew that she was just as valuable as a homemaker and decided to also take out a life insurance policy of $300K.

"; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += " "; stage2_copy += "
Michael and Lisa's Costs1
Michael's Occupation Computer Programmer
Lisa's Occupation Sales Manager
Smoker No
Michael's Life Care policy value $800,000
Lisa's Life Care policy value $300,000
Michael's Income protection policy (monthly benefit) $4,375 (1 month waiting period)
Benefit Period To age 65
Expiry Date To age 65
Indemnity Yes
Stepped premiums2 Yes
Approx. combined cost $105.82 per month or $3.48 per day
"; stage2_copy += "
"; stage2_copy += ""; stage2_copy += ""; stage2_copy += "1This case study is for illustrative purposes only and does not reflect any particular person. All costs are indicative only and include a monthly $5 policy fee. Actual premiums are assessed on an individual basis.
"; stage2_copy += "2Stepped Premiums increase each year with age.
"; stage2_copy += "

"; stage2_copy += "CommInsure is a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). Trauma cover and income protection are available through Life and Income Protection and Personal Insurance Portfolio, which are issued by CMLA. Product Disclosure Statements (PDSs) describing these products are available at comminsure.com.au and should be considered before making a decision to acquire these products. Please refer to our Financial Services Guide. This information has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice, you should consider it's appropriateness to your circumstances."; stage2_copy += "
"; var stage3_copy = " "; var stage3_copy += "A single mother of two primary school children, Sarah, 41, had a good job and no health problems. She worried about what would happen to herself and her children if anything serious happened and she opted to take out a life, trauma and income protection policy with CommInsure."; var stage3_copy += "

"; var stage3_copy += "Six months later, her worst fears were realised when a lump in her breast was found to be cancerous. Chemotherapy followed and this forced her to take time off work. Whilst her treatment was a success, she was placed under considerable emotional stress for an extended period, however CommInsure helped to ease the financial burden in this traumatic period of her life."; var stage3_copy += "

"; var stage3_copy += "Sarah's Costs1"; var stage3_copy += "

"; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += " "; var stage3_copy += "
Sarah's Occupation Accountant
SmokerNo
Sarah's Life Care policy value$600,000
Sarah's Trauma cover value$400,000
Sarah's Income protection policy (monthly benefit)$4,375 (1 month waiting period)
Benefit PeriodTo age 65
Expiry DateTo age 65
IndemnityYes
Stepped premiums 2Yes
Approx. cost$289.76 per month


"; var stage3_copy += "1This case study is for illustrative purposes only and does not reflect any particular person. All costs are indicative only and include a monthly $5 policy fee. Actual premiums are assessed on an individual basis."; var stage3_copy += "
2Stepped Premiums increase each year with age."; var stage3_copy += "

CommInsure is a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). Life Care and Total and Permanent Disability Cover are available through Life and Income Protection and Personal Insurance Portfolio, which are issued by CMLA. Product Disclosure Statements (PDSs) describing these products are available at comminsure.com.au and should be considered before making a decision to acquire these products. Please refer to our Financial Services Guide. This information has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice, you should consider it�s appropriateness to your circumstances."; var stage3_copy += "
"; var stage4_copy = " "; var stage4_copy += "Married with children at school and university, Tony, 55, had been feeling run down. He put this down to working long hours with the stress of being the sole income earner. Then, out of the blue, he was hit by a stroke."; var stage4_copy += "

Facing therapy, a major change of lifestyle and a long road to recovery, Tony could have been facing a bleak retirement. Fortunately, he�d taken out Life Care with total and permanent disability (TPD) cover, the previous year. The stroke left Tony unable to work, but the TPD lump sum payment meant that he had added financial security � which assisted with his emotional security."; var stage4_copy += "

Tony's Costs1"; var stage4_copy += "

"; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += " "; var stage4_copy += "
Tony's OccupationBusiness Consultant
SmokerNo
Tony's Life Care Policy value$500,000
Tony's Total & Permanent Disability cover value$400,000
Stepped premiums 2Yes
Approx. cost$289.76 per month
"; var stage4_copy += "

1 This case study is for illustrative purposes only and does not reflect any particular person. All costs are indicative only and include a monthly $5 policy fee. Actual premiums are assessed on an individual basis."; var stage4_copy += "
2 Stepped Premiums increase each year with age."; var stage4_copy += "

CommInsure is a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). Life Care and Total and Permanent Disability Cover are available through Life and Income Protection and Personal Insurance Portfolio, which are issued by CMLA. Product Disclosure Statements (PDSs) describing these products are available at comminsure.com.au and should be considered before making a decision to acquire these products. Please refer to our Financial Services Guide. This information has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice, you should consider it�s appropriateness to your circumstances."; var stage4_copy += "
"; var stage5_copy = " "; var stage5_copy += "Robert and Adina sold their carpet business five years ago. They viewed their business as a retirement nest egg and they invested most of the proceeds to give them a retirement income. They also reduced their overheads by downsizing into a smaller home."; var stage5_copy += "

With their business having played such a crucial role in their lives, they also had the foresight to take out Life Care policies with CommInsure, whilst they were in their 40s�. They are now active retirees who enjoy the extra peace-of-mind provided by having life cover in place, so that they know if something happened to one of them the other will have some financial security."; var stage5_copy += "

Robert and Adina's Costs1"; var stage5_copy += "

"; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += " "; var stage5_copy += "
Robert and AdinaRetired
SmokersNo
Robert Life Care Policy Value$500,000
Adina's Life Care Policy Value$500,000
Level premiumsYes � from age 41.
Approx. cost$155 per month in total or $5.10 per day (Robert and Adina's cover cost $2.99 and $2.01 per day, respectively)
"; var stage5_copy += "

1 This case study is for illustrative purposes only and does not reflect any particular person. All costs are indicative only and include a monthly $5 policy fee. Actual premiums are assessed on an individual basis."; var stage5_copy += "

CommInsure is a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). Life Care is available through Life and Income Protection and Personal Insurance Portfolio, which are issued by CMLA. Product Disclosure Statements (PDSs) describing this product are available at comminsure.com.au and should be considered before making a decision to acquire this product. Please refer to our Financial Services Guide. This information has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice, you should consider it's appropriateness to your circumstances."; var stage5_copy += "
";