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.
Income Protection claims by gender and age




What other benefits does Income Protection include?
Why choose TAL as your Income Protection provider?




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.