Life insurance: Types of cover
Our award-winning life insurance partner is TAL, one of Australia’s largest life insurers.
Our award-winning partner TAL
St.George has partnered with TAL, to support you and your family with your life insurance needs. With over 150 years’ experience protecting Australians and their families, 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.
Explore TAL Accelerated Protection life insurance options
Everyone is different. TAL Accelerated Protection life insurance can be tailored to suit your needs, now and into the future.
Terms and conditions apply.
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.
Get to know TAL's Accelerated Protection life insurance products
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
Flexible cover options
You can choose from a range of features and benefits to suit your needs.
More than 150 years’ experience
A trusted provider of Life, Total and Permanent Disability, Critical Illness and Income Protection insurance for over 150 years.
24/7 grief counselling
Access for you and your family to a dedicated support service.
$4.2 billion in claims paid in FY 2023/2024*
Helping more Australians with the moments that matter.
TAL rewards you for healthy living
TAL rewards you with lower premiums for looking after your health. Get upfront ongoing discounts of up to 15% on Life, Critical Illness 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 started is simple
1. Explore cover options
Click the link below to explore TAL’s Accelerated Protection range of products.
2. Get a quote in minutes
You can get your indicative, no-obligation quote by entering your personal details, such as: date of birth, gender, occupation, income, smoking status and contact details and hit submit.
The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
3. Apply and secure your cover
Depending on the information provided in the quote form, you'll be able to either proceed online or continue the application via a callback from a TAL consultant.
Life insurance help and guides
Important information
*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. St.George 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, St.George 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 345 623.
By accessing TAL’s website, you will enter a third-party site not owned by St.George. 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.
St.George's Privacy Statement is available at stgeorge.com.au/privacy/privacy-statement or by calling 13 33 30. It covers:
- How you can access the personal information St.George holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
- How St.George collect, hold, use and disclose your personal information in more detail.