Table test 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.

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.

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
(Trauma $38.42 per month and income protection $44.95 per month)

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.
2Stepped Premiums increase each year with age.

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 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.