Life Insurance
Providing for your loved ones when you are gone.
Premium type/entry age
- Stepped premiums: 16 – 75 (age next birthday)
- Level premiums: 16 – 60 (age next birthday)
What is Life Insurance?
Life Insurance provides for your loved ones in the event of your death, or if you are diagnosed with a terminal illness.
Life Insurance provides your loved ones with a lump sum payment that can help ensure their financial security.
It can allow your family to keep their home, provide for your children's education, and allow your partner to continue living the life you had planned together.
What are the key features?
- Lump Sum Payment if you die or are diagnosed with a terminal illness
- With our Guaranteed Future Insurability Benefit, cover can be increased up to $200,000, without underwriting
- $10,000 of Critical Illness cover for children built-in
- Eligible for TAL Health Sense discount
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
What benefits does Life Insurance include?
Not all benefits, options and sum insured levels are available online.
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.
Life Insurance claims by gender and age




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 Life Insurance provider?




What other insurance can I include in my TAL life insurance plan?
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.
Income Protection Insurance
Provides you with an income to help you continue living your life if you have an injury or illness and can’t work.