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Who is it suitable for?

Investment Growth Bonds


From young children to grandparents, high income earners to pensioners, the Bond suits a variety of investors’ needs.


Investor need

Main benefits for you

Want certainty in estate planning and distributing your wealth?

  • Ability to nominate one or more beneficiaries
  • Beneficiaries receive the proceeds tax free
  • The Death Benefit Guarantee (where applicable) can provide certainty around the minimum amount that your beneficiaries will receive

Looking for a simple, tax-effective, long-term investment with little or no annual tax reporting and paperwork?

  • Earnings are taxed at 30%
  • No annual tax reporting unless you make a withdrawal

Looking for an investment with growth potential but some capital protection?

  • Four of the investment options available have different guarantees included

Seeking a long-term investment for your children or grandchildren?

  • Able to set up a Child Advancement Policy and within limits nominate when ownership transfers to a child
  • A range of investment options to choose from
  • You are able to access money at any time

Restricted by super rules?

  • No work test applies for contributions
  • No contribution caps apply
  • No restrictions on the number of policies you are able to establish
  • Able to access money at any time

In a higher tax bracket and looking for an investment that can lower your tax liability?

  • Earnings are taxed at 30%
  • 125% rule, this means that every year you can contribute 125% of the previous year’s contribution

Want a tax-effective income stream in retirement?

  • A 30% tax offset applies on the taxable portion of any money you withdraw

Exploring smart investment alternatives to suit your business needs?

  • Funds available when you need them
  • Little or no annual paperwork

Important information

  • The information contained on this web page is of a factual nature only and is not intended to constitute financial product advice. It has been prepared without considering your individual objectives, financial situation or needs. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information.
  • CommInsure Investment Growth Bond is issued 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.
  • A Product Disclosure Statement (PDS) for the CommInsure Investment Growth Bond is available by clicking here, from your financial planner or by calling 1800 624 100 (from overseas call +61 13 10 56) and should be considered before making any decision about the product.
  • Commonwealth Financial Planners are Representatives or Authorised Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.
  • The offer made in this PDS is currently available only to persons receiving this document within Australia. Applications from outside Australia will not be accepted.