Income Protection Insurance
Financial protection if you are temporarily unable to work due to illness or injury.
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GET A QUOTE How to use TAL CoverBuilderKey features
- You can apply if you're between 18-59 years old
- Monthly payments if you can’t work due to illness or injury
- Cover for up to 75% of your monthly income to a maximum of $12,000 per month*
- No medical tests required on application
- Available to purchase via self-managed super funds
*$12,000 cover until age 45; maximum cover of $10,000 from age 45 - 59.
What is Income Protection Insurance?
Income Protection gives you an alternative source of income if you are temporarily unable to work due to an illness or injury that has left you Totally Disabled or Partially Disabled.
A monthly payment for a nominated period of time can help you keep your household up and running, and provide for your loved ones while you recover.
That's what Income Protection is really about: taking the financial pressure off so you can concentrate on getting back on your feet.

What am I covered for under Income Protection?
You can tailor your cover to suit your individual needs. Your choice of cover will impact the types of events you can claim against.
You can choose all three types of cover, or two or just one. It's up to you.
Accident Cover
You will be covered if you are temporarily unable to work due to an Accidental Injury (subject to any Special Conditions outlined in your Policy Schedule).
What you're covered for:
OR
Examples of accidental injuries include:
Illness Cover
You will be covered if you are temporarily unable to work due to an Illness (subject to any Special Conditions outlined in your Policy Schedule).
What you're covered for:
OR
Examples of illnesses include:
Sports Cover
If you take up Accident Cover, you can extend it with Sports Cover. This means you are covered if you are injured while playing a sport (subject to any Special Conditions outlined in your Policy Schedule) and are unable to work.
What you're covered for:
OR
Examples of Sporting injuries include:
What important details do I need to know?
How much will it cost?
At TAL, we understand that everyone is unique, so naturally your insurance should be too. That's why we've created TAL CoverBuilder to allow you to build your cover, your way.
With Coverbuilder you can choose your insurance and your cover, tailor your cover amount and select the options that best suit you.
Why choose TAL as your Income Protection provider?




What other benefits does Income Protection include?
Claims at TAL
Every claim we pay is a promise kept
In our 2019/20 Financial Year, we paid $2.5 billion in claims to more than 35,000 Australians and their families. That’s equivalent to over $46 million a week.
People often think claims are all about payments to families when a loved one passes away. And of course, that's part of what we do. But 65% of all the claims we paid last year were to help customers keep living the lives they love, after an accident or illness.
Your guide to making a claim
When things go wrong with your health, or the health of a loved one, you may find yourself doing many things for the first time. It’s sometimes tricky to know where to start and it can feel overwhelming. We’re here to support you to make your claim as easy as possible.
If you need to make a claim with TAL, you’ll be assigned a dedicated claims consultant. They’re there to understand your situation and what they can do to support you when making a claim.
What other insurance can I include in my TAL Lifetime Protection Plan?
Life Insurance
Protects your family’s future and gives them options if you are no longer around.
Total Permanent Disability Insurance
Gives you options to help you live a better quality of life if you are permanently disabled and can’t work.
Recovery Insurance
Means you have choices so you can still make the most of life if you have a serious illness.
How much will it cost?
At TAL, we understand that everyone is unique, so naturally your insurance should be too. That's why we've created TAL CoverBuilder to allow you to build your cover, your way.
With Coverbuilder you can choose your insurance and your cover, tailor your cover amount and select the options that best suit you.