Income Protection Insurance
Financial protection if you are temporarily unable to work due to illness or injury.
Key features
- You can apply if you’re between 19-60 years (it may be up to 55 dependant on your occupation)
- Cover up to 70% of your income or up to $30,000 per month
- Your choice of waiting period: 4, 8 or 13 weeks
What is Income Protection Insurance?
Income Protection provides a benefit if you suffer a loss of income due to a Sickness or Injury.
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 are the key features?
- Cover up to 70% of your income or up to $30,000 per month
- Your choice of waiting period: 4, 8 or 13 weeks
- You can apply if you’re between 19-60 years (it may be up to 55 dependant on your occupation)
Resources
- Income Protection Focus Insurance key facts
- Life insurance premiums key facts
- Insurance policy underwriting key facts
- Product Disclosure Statement
Flexibility, innovation, great value
How our award-winning life insurance product works for you:
Designed for flexibility
Mix and match a range of products and features to best suit your needs
Simple rewards if you're healthy
Clever features like our popular TAL Health Sense discount
We’re there when it matters
Every working day we pay an average of $10.3m in claims
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.
Income Protection claims by gender and age




What other benefits does Income Protection include?
Not all benefits, options and sum insured levels are available online.
What important details do I need to know?
Claims at TAL
Every claim we pay is a promise kept
Last financial year we paid $2.7 billion in claims to 39,628 customers. That’s equivalent to over $52 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 71% 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.
Why choose TAL as your Income Protection provider?




What other insurance can I include in my TAL life insurance plan?
Life Insurance
Protects your family’s future and gives them options if you are no longer around.
Total and Permanent Disablement Insurance
Gives you options to help you live a better quality of life if you are permanently disabled and can’t work again.
Critical Illness Insurance
Means you have choices so you can still make the most of life if you have a serious illness.