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.

Commonwealth Financial Planners: You must also include the following in the footer:

Commonwealth Financial Planners are Representatives or Authorised Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.’

Date

TitleFirstNameSurname

Street Address

SuburbStatePostcode

Does your insurance still cover you?

Dear FirstName,

Insurance: it’s something most of us ‘set and forget’. Often people don’t give insurance another thought until they need to make a claim. But not updating your insurance can leave you vulnerable when you need it most.

As your business changes, it’s easy to outgrow your insurance.

If you have made some big changes recently-like expanding your business, or taking on a new partner- you may need to reassess your insurance. Why? Because as your circumstances change, so doyour insurance needs.

Do any of these events sound familiar to you?

If you’ve recently made changes to your business, like the ones listed below, it could be time to review your insurance:

  • you’re expanding your business
  • you have a new business partner
  • you’ve taken out a large loan
  • you’ve taken out a personal guarantee
  • you’re employing new people in your business who are crucial to its operation
  • there is a change to your business structure, or
  • you’re leasing new equipment/premises.

<Practice name>, can help you tailor a protection plan that will suit your business needs so you can be financially prepared for the unexpected. If you would like to arrange an appointment with a risk specialist please call us on<Insert number>.

Yours sincerely,

Adviser Name

Adviser practice name

Address line 1

Address line 2

Adviser phone

Adviser fax

Adviser e-mail

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