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.

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.

Tony's Costs1

Tony's Occupation Business Consultant
Smoker No
Tony's Life Care Policy value $500,000
Tony's Total & Permanent Disability cover value $400,000
Stepped premiums 2 Yes
Approx. cost $289.76 per month

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.
2 Stepped 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 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.