Life takes guts

Protecting it should be easy

And that’s where we come in, with Life and Living Insurance.

Canstar Direct Life Insurer - Outstanding Value 2022-2025

Money Magazine Best value direct life and TPD insurance, white collar professionals

Money Magazine – Best value direct life insurance 2025

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Life and Living Insurance — what’s the difference?

Life Insurance

So you’ve probably heard of Life Insurance before. It’s cover designed to financially provide for your loved ones if you pass away.

It can be a tricky topic to think about. But it’s also pretty brave to make a plan for it.

It’s our job to make the whole process as easy as possible, helping remove confusion and complexity, so you feel confident in your cover and empowered to keep living life on your terms.

Find out more about our Life Insurance cover below.

Life Insurance provides a lump sum payment to your family or dependents if you pass away or are diagnosed with a terminal illness and have less than 12 months to live.

Living Insurance

But maybe you haven’t heard of Living Insurance. It's how we talk about our cover options that support your recovery after a health setback—so you can keep living as best you can.

Because life throws curveballs, and tackling them takes guts. Living Insurance helps you meet life’s challenges with a little extra courage, and make the most of what’s ahead. Find out more about our Living Insurance cover options below.

Income Protection Insurance provides you with monthly payments after a waiting period if you're temporarily unable to work due to an illness or injury, such as a broken leg. It can help cover your living expenses until you’re back on your feet.

Total and Permanent Disability (TPD) Insurance provides you with a lump sum payment if you become permanently disabled and are unable to work again. It can help fund your long-term care or lifestyle adjustments.

Critical Illness Cover provides you with a lump sum payment to cover your ongoing medical costs if you're diagnosed with a serious illness such as cancer, meeting severity criteria. It can help cover specialist treatments, rehabilitation, and time off work.

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By your side when it matters most

Last year,
we supported over

54,000

Australians and their families, paying over $4.7 billion in claims.¹

And

74%

of those claims were for living insurance, supporting our customers' recovery after an illness or injury.² Giving more people the opportunity to keep living as fully as they can.

Real Stories. Real Courage.

Read about the lived experiences of Australians who’ve faced serious challenges and come out the other side, with support from our living insurance benefits.

Dexter’s Living Insurance Story

A serious cycling accident could have left Dexter permanently disabled, but with TAL’s ongoing support, he’s rebuilt his life and is making the most of every moment.

Scottie’s Living Insurance Story

Following a shock cancer diagnosis, Scottie's financial adviser worked with TAL to see him and his family through his treatment and recovery. Now, they’re back to doing what they love most, together.

REALITY CHECKER

Confidence at any life stage

Use our Reality Checker tool to see the kind of claims we’ve paid to people at your age and stage—it’s easier to live with a little guts when you know you’re covered.

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Why TAL?

Just getting out there and living? That takes all kinds of courage—especially when things don’t go to plan.
Our mission is to provide the cover you choose is right for you for the life you want to live.
So that you can focus on the good stuff.

Personalised and flexible cover

Life can change quickly. We make it easier to customise your cover to suit your life now, and adjust it if things change later.

Comprehensive cover made easy

With a number of protection options across a range of health events, you can be confident you have the cover you need.

Outstanding value

We offer award-winning cover, that gives you up to 15% off for making healthier lifestyle choices.³

Purchase your way

Whether you’d prefer to get a quote online or speak with an insurance specialist—we make it easy to apply for cover, your way, with support from real people when you need it.

Frequently Asked Questions

Why might I need life or living insurance?

Life insurance provides a lump sum to your loved ones if you pass away or are diagnosed with a terminal illness. It’s about planning ahead to support those who matter most. Living insurance supports your recovery after a health setback. It’s about having the confidence to live life on your terms, even when things get tough. Life and living insurance help protect what matters most when life takes an unexpected turn.

Whether life or living Insurance cover is right for you depends on your individual objectives, financial situation and needs. The information set out above is a general guide only. You can find out exactly what you’re eligible for by reading the terms and conditions of your insurance policy, which are detailed in your PDS.

See our Insurance FAQs for more information.

What happens if I need to make a claim?

Our claims process is designed to be supportive, so you can focus on what matters most.

To start a claim, contact TAL directly or speak with your financial adviser, employer, or superannuation fund if your cover is through them. Once your claim is initiated, you’ll be assigned a dedicated claims consultant who will guide you through each step, clearly explaining what’s needed and when.

Claims can be submitted via phone, email, or post. Your claims consultant will assist with gathering any required documents, such as medical or financial information, and ensure the process stays on track.

For more information visit our guide to claiming page.

I have life insurance through my super. Is that enough?

Many Australians have some form of life insurance through their super. The default level of cover is not based on your unique current and future financial obligations, so you may want to check to see if it’s enough.

You may also want to consider whether you’re able to take your insurance with you if you leave your super fund.

How can I calculate how much cover I might need?

Use our Life Insurance Calculator to get an idea of how much Life or Living Insurance cover you might need.

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Disclaimer:

1. Claims statistics based on total claims paid under TAL Life Limited and TAL Life Insurance Services Limited insurance products (including funeral insurance) between 1 April 2024 and 31 March 2025.
2. Claims statistics based on total number of accepted claims that were determined to be eligible for payment between 1 April 2024 and 31 March 2025. A claim is assessed in order to determine whether or not the claim is payable. A claim is accepted when the claim is determined to be payable.
3.The offer of TAL Health Sense and Health Sense Plus is subject to the Terms and Conditions. TAL reserves the right to alter or discontinue the Health Sense and Health Sense Plus offer at any time.
A maximum 15% Health Sense discount applies to non-smokers meeting the BMI criteria that hold 4 benefit types (Life; Critical Illness; TPD and Income Protection (IP)) and meeting minimum sum insured amounts for all benefit types. Lower discounts will apply for other benefit combinations and smokers. The discount does not apply to per mille loadings, policy fees and stamp duties. More information is available on request from TAL.