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IMPORTANT NOTE: This tool is provided as a suggested draft template, which you may wish to consider using. Before doing so, you and your licensee will need to assess whether this tool is appropriate for your use and should consider your obligations in issuing such a communication under the financial services laws and any procedures required by your licensee, including general advice warnings and requirements for issue of a financial services guide.

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Date Title FirstName Surname Street Address Suburb State Postcode

Protect the ones you love

Dear FirstName, Did you know that 85% of people have their possessions insured1 yet only a small percentage have safeguarded themselves or their loved ones with life insurance? Many people think life insurance is just about death when in fact, there’s more to it than that. Life insurance is about helping to protect your family and the lifestyle you’ve all worked so hard for, against financial hardship should the worst happen to you. And, the worst could be as a result of a serious illness or accident, not just death. With this in mind, can you afford not to have some sort of protection in place?

Protection solutions for your needs With CommInsure’s Life Care, you can have peace of mind knowing that you have cover for terminal illness and death. This means you and your family can better focus on themselves instead of the finances, and you can be sure they won’t lose everything you’ve worked so hard to give them. We can also help you protect against the unexpected with income protection, total and permanent disablement, or even trauma insurance which are each designed to help you out financially if you can’t work due to illness or injury. can help you find the right insurance solution for you and your family, so you can be financially prepared for the unexpected. If you would like further information or would like to arrange an appointment with a risk specialist please call us on . Yours sincerely, Adviser Name Adviser practice name Address line 1 Address line 2 Adviser phone Adviser fax Adviser e-mail

1 Insurance Council of Australia December 2010

The CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy is issued by the insurer, The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) and Colonial Mutual Superannuation Pty Ltd ABN 56 006 831 983 AFSL 235025 (the trustee), the trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 (the Fund). CMLA and the trustee are wholly owned but non-guaranteed subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124 (CBA). CommInsure is a registered business name of CMLA. Before purchasing this product, you should refer to the PDS which is available from your financial adviser or from www.commbank.com.au.