Life Insurance: Types of cover
Peace of mind through our award-winning partner TAL
To support you and your family in times of need, Westpac has partnered with TAL, one of Australia’s largest life insurers. TAL insures millions of Aussies and has been awarded the 2022 - 2024 Canstar Award for Outstanding Value in Direct Life Insurance, and the 2024 Finder Awards for Best Life Insurance and Best Income Protection Insurance.
TAL's Accelerated Protection Life Insurance
Explore TAL Accelerated Protection life insurance options
Life can often be unpredictable, but we know life is meant for living! Accelerated Protection Life Insurance can help provide financial support and peace of mind for you and your loved ones.
Explore the different life insurance options under the TAL Accelerated Protection.
Why TAL life insurance?
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Insurance features & benefits
TAL Accelerated Protection has a range of features and benefits you can choose from.
Built by you, for you
Tailor your cover to suit your individual needs, an insurance plan designed by the person who knows your life best: you.
24/7 grief counselling
24/7 access to dedicated grief support.
$4.2 billion in claims paid in FY 2023/2024*
TAL's claims and health team help with more than just payments: get support from them throughout your recovery.
TAL rewards you for healthy living
Get a discount of up to 15% on your life insurance premiums^
TAL rewards you with lower premiums for looking after your health. Get upfront ongoing discounts of up to 15% on Life, CI and TPD insurance premiums, with TAL's Health Sense program.
Eligibility criteria and T&Cs apply. Discount calculated and applied by TAL. To find out more, visit the TAL website.
Getting a quote is simple
1. Explore cover options
Get started with an online life insurance quote with our partner TAL. To find out more, visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
2. Get a quote in minutes
Enter your personal details: age, date of birth, gender, occupation, income and smoking status. Then, submit your request to the insurer.
3. Apply and secure your cover
Depending on the information provided in the quote, you'll either continue the application via a call back from a TAL consultant or proceed online.
Life insurance help and guides
Things you should know
*Claims statistics based on total claims paid under TAL Life Limited and TAL Life Insurance Services Limited insurance products between 1 April 2023 and 31 March 2024.
^A maximum 15% Health Sense discount applies to lump sum premiums for 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. More information is available on request from TAL.
For customers with loadings, the Health Sense discounts apply to premiums including loadings (except loadings applied on a per-mille basis) and apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only. Where a per-mille loading has been applied, the discount will not apply on additional premium resulting from the per-mille loading (an example of a per-mille loading is $5.00 extra premium per $1,000 sum insured). Health Sense discounts only apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only.
Any financial product advice provided on this website is of a general nature only and does not take into account your personal circumstances. Westpac refers customers to TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), the issuer of life insurance policies. TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). If you purchase a life insurance policy as a result of a referral from us, Westpac will receive a commission of 10% of your premiums (exclusive of GST) for the period you continue to hold a policy.
Before purchasing life insurance, you should read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide if life insurance is appropriate to your objectives, circumstances and needs. You can obtain the PDS and TMD from TAL’s website or by calling TAL on 1300 345 620.
By accessing TAL’s website, you will enter a third-party site not owned by Westpac. Any personal information you provide to TAL's website will be collected, used, and disclosed in accordance with TAL's Privacy Statement and Privacy Policy, also available on their website.
If you would like help deciding whether life insurance is right for you, we recommend speaking to a financial adviser.