How to apply

Important Information

Please refer to the relevant Product Disclosure Statement for full details of these benefits and when they are payable.

1.	As this advice (including the statements on taxation which are based on present taxation laws, rulings and their interpretation) has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. You should seek advice from your taxation adviser in relation to taxation matters.
2.	Income Care, Income Care Plus and Business Overheads Cover (the Income Care Range), Life Care, Total and Permanent Disablement Cover (TPD Cover) and Trauma Cover form part of Personal Insurance Portfolio. Personal Insurance Portfolio is issued by CMLA.
3.	Total Care Plan Super is issued by Colonial Mutual Superannuation Pty Ltd ABN 56 006 831 983, the trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 SFN 2933/419/40 (the Fund). CMLA is responsible for the administration of the Fund and provides insurance benefits to the Fund as insurer.
4.	CMLA and the Trustee are wholly owned subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124. Commonwealth Bank of Australia does not guarantee the obligations or performance of CMLA or the Trustee or the products they offer.
5.	Product Disclosure Statements (PDS's) describing Personal Insurance Portfolio and Total Care Plan Super are available from your Financial Adviser, by downloading it from comminsure.com.au or by calling 13 10 56 (from overseas call +61 13 10 56) and should be considered in making any decision about these products.