CommInsure offers a straightforward approach to insurance and provides a wide range of insurance solutions.

• Income Protection

Income protection cover helps you meet your financial commitments by providing regular payments if you are unable to work due to sickness or injury.


• Trauma cover

Our Trauma cover provides you with a lump sum payment if you survive for 14 days after the occurrence of a serious medical condition (such as cancer, stroke or heart attack).


• Disability cover

Our Total and Permanent Disability cover provides you with a lump sum payment if sickness or injury leaves you totally and permanently disabled.


• Life cover

Provides a lump sum payment in the event of your death or terminal illness.

Download Product Disclosure Statements, Reference Documents, Policy Addendums or view our case studies to see which level of cover may suit you.

Up to $100,000 extra cover without paying extra
Be rewarded with $50,000 worth of Accidental Death Cover at no extra cost after holding an income protection or Business Overheads policy for 3 years.

On each of the following anniversaries the additional cover will increase by $10,000, up to a maximum of $100,000.

This means after 8 years, you will have $100,000 worth of Accidental Death Cover for free.

And up to $200,000 extra cover for bundling your insurance
If you also have a CommInsure life insurance policy in force at the time of your claim, we will double the amount of Accidental Death Cover paid.

More life, TPD, trauma or child cover without paying more
Be rewarded with 5% extra cover at no extra cost after holding a Life, TPD, Trauma or Child Cover Policy for 5 years or more. For example, if your Life Care benefit is $500,000, on death, we will pay a benefit of $525,000 instead of $500,000.

Protect your ability to earn an income and provide financially for your family. You can insure for up to 75% of your regular income, and superannuation contributions of up to 15% (if you select the Super Continuance Option). You choose the waiting period, the benefit period and how the amount of benefit paid will be calculated. Your premiums are generally tax-deductible, depending on your individual circumstances.

We also offer a variety of additional benefits and features for added protection.

Business Overheads Insurance

Provides cover for self-employed people who need to ensure that certain fixed operating expenses of the business will be paid even if they can't work due to sickness or injury. This cover can be taken on its own or in conjunction with an Income Protection policy. Your premiums are generally tax-deductible, depending on your individual circumstances, and payable monthly, quarterly, half-yearly or yearly. You can take out insurance on yourself, a family member or a business partner. And if you package Business Overheads Cover with a CommInsure Income Protection policy, we'll give you a 10% discount off your Business Overheads Cover premium. As with our Income Protection policies, you can choose the Cash Back Option as part of your Business Overheads Cover.

Trauma cover pays a lump sum if you survive for 14 days after suffering from one of the specified major diseases or injuries covered such as a heart attack, stroke, cancer or loss of limbs or sight. Trauma cover has been designed to cover medical and rehabilitation costs, to provide for your family and help with lifestyle and employment changes. Trauma cover is available in a package with Life Care, Life Care and TPD Cover, TPD Cover, or as a stand-alone policy.

Life Care is term insurance that pays a lump sum should you die or become terminally ill. As well as a lump sum benefit, Life Care provides additional benefits, including:

• Financial Planning Benefit - If the Life Care benefit is paid, the costs of the recipient receiving approved financial planning advice will be reimbursed up to $5000.00.
• Life Care Loyalty Bonus Benefit - After Life Care has been in place for 5 years the amount of any Life Care or Terminal Illness Benefit payable will be increased by 5% at no extra cost.

These optional benefits include:

• Guaranteed Insurability Option, Personal Events - Allows you to apply for an annual increase in death cover without supplying further medical information when specific personal events occur, such as marriage, death of your spouse, the birth or adoption of a child.
• Accidental Death Cover - Allows you to top-up your Life Care cover. It will pay you a lump sum in the event of your death by accident. The lump sum is payable in addition to any Life Care Benefit payable. Accidental Death Cover may also be taken as a stand-alone policy.

Total & Permanent Disability Cover
Total & Permanent Disability Cover (TPD Cover) pays a lump sum if you suffer an illness or injury that prevents you from ever earning an income due to disablement. Because TPD Cover benefits provided under Super plans is often not enough, TPD Cover provides a lump sum that you can use in any way you wish, for example, to help replace future income and super to age 65. And the benefit we pay is doubled (up to $250,000) if you suffer loss of limbs or sight. TPD Cover is available in conjunction with Life Care, Trauma Cover, or as a stand-alone policy.

Partial and Permanent Disability pays part of the TPD benefit, which is the lesser of $500,000 and 25% of the TPD cover.

Total Care Plan Super provides insurance benefits for death, terminal illness, TPD and income protection in a superannuation environment.