Find a financial adviser

If you would like to speak to a financial adviser about your options, fill out your details below. We can help you find a financial adviser near you that best suits your needs.

The benefits of financial advice

Most of us wouldn’t think twice about going to a mechanic for our car, or to a doctor to talk about our health. But when it comes to personal finance, up to 80% of Australians have never seen a financial adviser1.

A financial adviser is a qualified professional who works with you face-to-face, to assess your financial situation and identify your goals. By knowing where you want to go in life, an adviser can provide strategic advice and design a wealth creation plan to help you get there.  

Of course, your plan for the future is only as good as your ability to pay for it. So a financial adviser will also research the market and find the right life insurance for you, to protect the life you’ve planned for.

They can also provide tailored recommendations on:

  • the right amount of cover for your lifestyle;
  • the best way to structure your policy;
  • whether to have insurance cover inside or outside of super;
  • high cover requirements for people with significant financial obligations; 
  • how to navigate the underwriting process; and   
  • what to do at claims time.

As part of their ongoing relationship with you, a financial adviser can also conduct an annual review of your life insurance, to check if your insurance products and level of cover still match your lifestyle.

  1. Access to financial advice in Australia, ASIC, Report 224, December 2010. 
Our adviser took over the claims process, handling all interaction with TAL, as well as all the paperwork. We submitted the claim in April and it was approved and paid in time for the surgery in May.
Claims Story
Marcelle & Darren

Find a financial adviser

What to bring to your meeting

Here's what to bring to your first appointment:

  • Information about your personal circumstances, such as your job, marital status, kids or dependents and financial goals.
  • Details about your assets. For example, the value of your home, savings, superannuation, car and investments. 
  • Details about your debts including mortgages, loans and outstanding credit card balances.
  • Information about your income and expenses. Pay slips, bank and credit card statements will help the adviser get a snap shot of your finances. 
  • Information about any existing insurance cover.

Your financial adviser will also help you complete a medical and lifestyle questionnaire, as part of your application. 

Our insurance available through financial advisers 

Accelerated Protection

Having the right kind of life insurance gives you and your family more power to make plans and more confidence that you can achieve them. 

Our life insurance available through financial advisers is called TAL Accelerated Protection. It features a comprehensive and broad range of options that can be tailored to your life, whether your needs are straight-forward or complicated, as an individual or business owner. 

Your financial adviser can mix and match the Accelerated Protection range of options to fit in with your life plans, for now and for later. 

Accelerated Protection PDS

Accelerated Protection PDS

Everything you need to know about TAL Accelerated Protection

Download

Life Insurance

Life Insurance is a lump-sum payment to look after your loved ones if you die, or are diagnosed with a terminal illness. 

People often consider how much they have left to pay off their mortgage and their other debts, their children's future education costs and the lifestyle they want their loved ones to have if they pass away. 

Critical Illness

Having a serious illness such as cancer or a heart attack is something many of us will experience. Critical Illness insurance is a lump-sum payment to help support you after an insured illness such as malignant cancer, heart attack or stroke.

When considering Critical Illness insurance people often think about their level of private health insurance and Income Protection, and how much they need to live if they can't work, to maintain their standard of living while they recover.

Accelerated Protection also offers comprehensive Child’s Critical Illness cover which will give you choices to take time off work to focus on family. And Female Critical Illness cover which is tailored for women by covering a set of female-specific medical risks.

Income Protection Insurance

Many Australians don’t consider protecting their ability to earn the income that funds their life and those of their families. How long could you afford to cover your expenses and maintain your lifestyle without draining your savings? 

Income Protection Insurance can cover 75% of your regular income to help with living expenses, if you can't work due to a sickness or injury.

Income Protection Insurance premiums are generally tax deductible, however claim payments are subject to income tax.

Income Protection Insurance provides a replacement income to help you and your family meet the cost of living. It can be tailored depending on your time of life, expenses and income. 

Note: Benefit and waiting periods may apply for some options.

Total and Permanent Disability Insurance

If you become permanently disabled and can’t work, your life choices become very limited. TPD Insurance gives you a lump-sum payment to improve your quality of life, if you suffer permanent disability that either prevents you ever working again, or results in you being unable to perform some activities of daily life.

When considering TPD Insurance people often think about: how much they’ll need to live on and what help or family assistance is needed.

Business Expense Insurance

If you own a business and you’re unable to work due to sickness or injury, Business Expense insurance provides a monthly payment to reimburse the regular fixed operating expenses. This includes things like leasing costs, electricity and gas, advertising and accounting fees.  

Note: Waiting period applies.

I would be in a world of pain if my adviser and TAL hadn’t been there. I’d probably be bankrupt, and maybe not here.