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About group insurance solutions

Types of cover


A lump sum benefit is paid if a member dies.

Terminal Illness

A lump sum benefit is paid if a member suffers a terminal illness and is unlikely to survive for more than 12 months.

Total and Permanent Disability (optional)

A lump sum benefit is paid if a member becomes totally and permanently disabled (TPD) by injury or illness.

Income Protection (optional)

A monthly benefit is paid if a member is disabled due to an illness or injury for longer than the nominated waiting period.

  • Inside super – As a superannuation policy, CommInsure group insurance provides cover to a group of people who are members of a superannuation fund
  • Outside super – CommInsure group insurance is designed for employers who wish to offer a valuable benefit as part of the employees’ remuneration package to help attract and retain employees. This type of policy is classified as an ordinary policy

Our service

At CommInsure all the good stuff is built in so that great cover for your members comes as standard. We pride ourselves on offering the full service, giving you confidence that your members’ ongoing needs will be met now and in the future.

We know protecting your members and providing them with relevant and useful information is extremely important. That’s why we can offer you a range of tools and programs we call Smart Solutions to help you engage your members around the importance of insurance. Our Smart Solutions cover everything from product design, marketing, technical and research support to underwriting, claims solutions and reporting.

Partnering with CommInsure gives you the confidence that your members are provided with care and protection as we continually look for ways to provide cover sooner and pay legitimate claims faster.


Differentiated by the service we provide


CommInsure is committed to paying all genuine claims promptly and with compassion. 

How do we deliver on this commitment?

Our claims team has diverse experience and skills required to ensure:

  • Greater understanding of a particular condition
  • Fair and accurate assessments
  • Faster decisions

A claimant will work with one person throughout the claim – a person who is familiar with the case and understands the circumstances.

Services to assist with recovery 

Rehabilitation services at no cost – assist claimants with accessing optimal patient care and help return to wellness.


About us

CommInsure is a leading life insurer in Australia and part of the Commonwealth Bank Group. We have 150 employees in the group insurance solutions team and 1600 across CommInsure. In 2016, CommInsure paid over $1 billion in claims to around 20,000 customers, that’s $2.7 million every day*.

But we’re more than a strong foundation. We’re an experienced team that know our clients and the market well. Our teams are dedicated to delivering smart solutions to benefit our clients and their members. We’re at the forefront of the industry in providing a true market-aligned business model accountable for the end-to-end relationship.

As part of the CBA Group, we can access expertise from across CommInsure and the CBA Group to bring unique insights and market intelligence to support our clients’ insurance strategy, their acquisition and retention targets.

Our award winning Back to Wellness Program is designed to support members affected by mental health conditions, with the aim of helping them to get back to being themselves and embracing wellness as soon as possible.


Related information


Stay in the loop with the latest industry news and information, available on the Group Insurance Solutions NEWSHUB.

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Important information This information has been prepared by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA), a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommInsure is a registered business name of CMLA. This information is of a general nature only and you should refer to relevant life company policy documents for further clarification.

*Group, Retail and Direct statistics combined.