Underwriting FAQs

All members applying for or increasing cover are underwritten.

Contact the TAL Group Life Team and we’ll give you an indication of requirements that may be necessary and an approximate estimate on the insurance terms that may be available (subject to medical evidence).

TAL Group Life Team
Call 1800 666 136
life.underwriting@tal.com.au

After assessment, our Underwriting team will finalise the cover application with one of four outcomes:

Accepted Standard – Cover is accepted at standard rates and terms.

Accepted with Loading – Cover is accepted with an additional premium. Loadings apply to cover above the AAL (if applicable).

Accepted with Exclusion – Exclusions generally apply due to a pre-existing medical condition or participation in hazardous pastimes. Standard rates apply. Any claims for that particular condition are excluded. Exclusions apply to cover above the AAL (if applicable).

Declined – Cover is declined if suitable terms cannot be offered. Cover up to the AAL (if applicable) is provided.

In some cases, assessments can be reconsidered at some future date. Where the member requires further information on the decision, contact our email help service at life.underwriting@tal.com.au

The Administrator will advise the member and the adviser of the medical requirements.

You can assist the process by arranging the further medical requirements directly with the member and also referencing the UW limits in the Adviser Guide. The Adviser Guide and all relevant underwriting forms are available in the Document Library on UWPlus or with your Administrator.