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.

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.

Sarah's Costs1

Sarah's Occupation Accountant
Smoker No
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 Period To age 65
Expiry Date To age 65
Indemnity Yes
Stepped premiums 2 Yes
Approx. cost $289.76 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). 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.