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Sometimes called life insurance, this can pay a lump sum to your estate if you pass away, or a lump sum to you if you become terminally ill. It’s designed to help with debt, to help put your dependents through school, to help provide financial support for your partner or to help maintain your family’s lifestyle.

With a Simple Life policy, you can have between $100,000 and $1 million of Life Cover, in $25,000 increments. Your cover is known as your Life Cover benefit and is confirmed on your policy schedule. This lump sum benefit will be paid once only – if you become terminally ill, or if you pass away.

You’ll receive your lump sum benefit if a medical practitioner is able to certify you have an illness or injury that will result in death within 24 months.

You can find more information on these definitions in the Simple Life Product Disclosure Statement (PDS).

It’s important you’re aware of the situations where a Life Cover death or terminal illness benefit won’t be paid. This is where death or terminal illness results directly or indirectly from any of the following:

  • A pre-existing condition
  • Suicide, attempted suicide or self-inflicted injury, whether you’re sane or not
  • As a result of war, whether it’s been declared or not
  • Participation in an illegal activity
  • Working in hazardous conditions 
  • If you’ve been living outside of Australia for more than 12 months in a row

Call 13 3982 between 8am and 8pm, Sydney time, Monday to Friday.

Our claims team may send you a claim form and a letter outlining the supporting evidence required for us to assess your claim.

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Things you should know

As this information has been prepared without considering your personal objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. This information is provided by CMLA and where we refer to ‘we’ and ‘our’, we mean CMLA.

Please refer to the Simple Life Product Disclosure Statement (PDS) and the Simple Life Medical Definitions Reference Guide for full benefit details, terms, conditions and exclusions. A Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for Simple Life are available online or by calling 13 39 82 between 8am and 8pm (AEST) Monday to Friday. If you call this telephone number, you may be speaking with customer service representatives from Aegon Insights Australia Pty Limited (“Aegon”) ABN 35 082 524 785 AFSL 236657. Aegon is authorised to issue Simple Life on behalf of CommInsure.

The issuer and insurer for Simple Life is The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). CMLA is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommInsure is a registered business name of CMLA.

The Commonwealth Bank of Australia does not guarantee the obligations or performance of CommInsure or Aegon or the products they offer.