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Each time we improve our insurance products, we make sure the latest features and benefits are passed on to you. Even better, you are upgraded without any increase to your premium.

Improvements to your policy are outlined in the documents below:










September 2017

September 2018

Total Care Plan

Total Care Plan Super

Income Care

Income Care Plus

Income Care Platinum


Income Protection

No changes

No changes

No changes

No changes

No changes

Life Protection

No changes

No changes

No changes

No changes

No changes

No changes

Important notes:

  • Policy addenda are to be read in conjunction with the policy documents to which they relate
  • The SMSF Plan was launched on 11 May 2014 and incorporated into the CommInsure Protection Combined Product Disclosure Statement and Policy
  • From 18 August 2013, the Total Care Plan, Total Care Plan Super, Income Care and Income Care Plus policy documents form part of the CommInsure Protection Combined Product Disclosure Statement and Policy
  • If special conditions, exclusions or loadings apply to your policy, upgraded features and benefits may not be available to you
  • Improved terms and conditions don’t apply in respect to any pre-existing conditions that existed at the time the improvement took place
  • Only improved terms apply to you
  • Policy upgrades only apply to policies starting on or after 1 July 1997. For policies starting before that date, the upgrades don’t apply and you need only refer to the policy document we sent you when you took out your policy

If you have any questions, please contact your adviser or the customer service centre on 13 1056 between 8 am and 8 pm (Sydney/Melbourne time), Monday to Friday.


Important information

Income Care, Income Care Plus, Income Protection, Total Care Plan and Life Protection are issued by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). Total Care Plan Super is issued by Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468 (CFSIL). Both CMLA and Colonial First State Investments Limited are wholly owned but non-guaranteed subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124.

As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. The CommInsure Protection Product Disclosure Statement (PDS) issued by CMLA and Colonial First State Investments Limited is available from your financial adviser, by calling 13 1056 or from and should be considered in making any decision about the relevant products. CommInsure can be contacted by phone, our web site or you can write to us. 

You pay us premiums or fees for the products that we provide to you. We do not charge you any additional fees for the products that we provide to you with any general advice. Employees of CommInsure who provide a service do not receive specific payments or commissions for the giving of that service but do receive salaries. Bonuses and other benefits may also be paid to employees. 

CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business.

CMLA’s Privacy Policy

As part of operationalising the Joint Cooperation Agreement, CMLA has adopted the AIA Australia Group Privacy Policy.