Speak to a financial adviser near you for valuable advice on life insurance as part of a wealth plan.
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The benefits of financial advice
Most of us wouldn’t think twice about going to a mechanic for our car, or to a doctor to talk about our health. But when it comes to personal finance, up to 80% of Australians have never seen a financial adviser1.
A financial adviser is a qualified professional who works with you face-to-face, to assess your financial situation and identify your goals. By knowing where you want to go in life, an adviser can provide strategic advice and design a wealth creation plan to help you get there.
Of course, your plan for the future is only as good as your ability to pay for it. So a financial adviser will also research the market and find the right life insurance for you, to protect the life you’ve planned for.
They can also provide tailored recommendations on:
the right amount of cover for your lifestyle;
the best way to structure your policy;
whether to have insurance cover inside or outside of super;
high cover requirements for people with significant financial obligations;
how to navigate the underwriting process; and
what to do at claims time.
As part of their ongoing relationship with you, a financial adviser can also conduct an annual review of your life insurance, to check if your insurance products and level of cover still match your lifestyle.
Access to financial advice in Australia, ASIC, Report 224, December 2010.
Information about your personal circumstances, such as your job, marital status, kids or dependents and financial goals.
Details about your assets. For example, the value of your home, savings, superannuation, car and investments.
Details about your debts including mortgages, loans and outstanding credit card balances.
Information about your income and expenses. Pay slips, bank and credit card statements will help the adviser get a snap shot of your finances.
Information about any existing insurance cover.
Your financial adviser will also help you complete a medical and lifestyle questionnaire, as part of your application.
Our insurance available through financial advisers
Having the right kind of life insurance gives you and your family more power to make plans and more confidence that you can achieve them.
Our life insurance available through financial advisers is called TAL Accelerated Protection. It features a comprehensive and broad range of options that can be tailored to your life, whether your needs are straight-forward or complicated, as an individual or business owner.
Your financial adviser can mix and match the Accelerated Protection range of options to fit in with your life plans, for now and for later.
Accelerated Protection PDS
Everything you need to know about TAL Accelerated Protection
Life Insurance is a lump-sum payment to look after your loved ones if you die, or are diagnosed with a terminal illness.
People often consider how much they have left to pay off their mortgage and their other debts, their children's future education costs and the lifestyle they want their loved ones to have if they pass away.
Having a serious illness such as cancer or a heart attack is something many of us will experience. Critical Illness insurance is a lump-sum payment to help support you after an insured illness such as malignant cancer, heart attack or stroke.
When considering Critical Illness insurance people often think about their level of private health insurance and Income Protection, and how much they need to live if they can't work, to maintain their standard of living while they recover.
Accelerated Protection also offers comprehensive Child’s Critical Illness cover which will give you choices to take time off work to focus on family. And Female Critical Illness cover which is tailored for women by covering a set of female-specific medical risks.
Many Australians don’t consider protecting their ability to earn the income that funds their life and those of their families. How long could you afford to cover your expenses and maintain your lifestyle without draining your savings?
Income Protection Insurance can cover 75% of your regular income to help with living expenses, if you can't work due to a sickness or injury.
Income Protection Insurance premiums are generally tax deductible, however claim payments are subject to income tax.
Income Protection Insurance provides a replacement income to help you and your family meet the cost of living. It can be tailored depending on your time of life, expenses and income.
Note: Benefit and waiting periods may apply for some options.
If you become permanently disabled and can’t work, your life choices become very limited. TPD Insurance gives you a lump-sum payment to improve your quality of life, if you suffer permanent disability that either prevents you ever working again, or results in you being unable to perform some activities of daily life.
When considering TPD Insurance people often think about: how much they’ll need to live on and what help or family assistance is needed.
If you own a business and you’re unable to work due to sickness or injury, Business Expense insurance provides a monthly payment to reimburse the regular fixed operating expenses. This includes things like leasing costs, electricity and gas, advertising and accounting fees.
"TAL is Australia's leading life insurance specialist” based on Inforce premiums for risk only life insurance policies, NMG Consulting (2017).
The information provided on this website is general advice only and does not take into account your individual needs, objectives or financial situation. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) before making a decision to purchase or continue to hold a product. Life insurance issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848.