Important information.
As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances.

CommInsure is a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL) and of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). CMLA and CIL are wholly owned subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124. Commonwealth Bank of Australia does not guarantee the obligations or performance of CMLA or CIL or the products they offer.

Home, Car and Travel Insurance are issued by CIL. The insurer for CTP is CIC Allianz Insurance Limited, ABN 56 094 802 801 (CIC Allianz).

Product Disclosure Statements (PDSs) describing Home, Car and Travel Insurance are available by downloading them from comminsure.com.au or by calling 13 24 23 and should be considered before making any decisions about these products.

Loan Protection and Income Protection are issued by The Colonial Mutual Life Assurance Society Limited (the issuer). PDSs describing Loan Protection and Income Protection are available by downloading them from comminsure.com.au or by calling 13 10 56. You should consider the Loan Protection PDS and Income Protection PDS before making a decision about whether to acquire Loan or Income Protection.

How our staff are remunerated: Our staff are remunerated by salary that includes superannuation benefits. The amount of salary varies according to the staff member's position within the Bank. Our staff may also be eligible for an annual bonus payment which is based on a number of factors. These include performance against sales targets and customer service standards being met. Our staff may also receive payments for business they refer to other persons in the Bank who specialise in certain products and/or services. The amount of these payments will range between $5 and $30 depending on the type of business referred. Our staff may also receive benefits such as tickets to sporting and cultural events, corporate promotional merchandise or other similar benefits from product providers whose products they may sell or for business they may refer to product providers. We receive commission for selling CommInsure Home and Contents insurance and Loan Protection insurance. Our staff may receive a commission for selling General Insurance products of between 0% and 20% of the annual premium amount. Our staff may also receive commission for selling Life Risk Insurance products of between 0% and 100% of the initial premium and from 0% to 10% of the ongoing premium annually upon renewal.