Better value for more Australians: introducing our new Accelerated Protection

Helping you cover more of your clients
Gavin Teichner
Executive General Manager Individual Life

This Australian life is vast and varied, which is why it’s so important to have life insurance solutions for all kinds of individuals, at every stage of life.

Our updated Accelerated Protection (AP) products help you cover more clients, without sacrificing quality or affordability. They are designed to balance more sustainable premiums with high quality cover that’s relevant to even more Australians, especially as cost of living and affordability concerns increase.

If you have any questions, your Business Development Manager is here to help. Please make an appointment with them or contact your local TAL sales team or the Adviser Service Centre on 1300 286 937 (Monday to Friday 8am–7pm AEST) if you need a hand.

New business pricing updates

We’ve made price adjustments for new applications for stepped and level premiums, starting from 8 September 2023.

These include Accelerated Protection Life, Total and Permanent Disability (TPD), Critical illness (CI) and Income Protection (IP) benefits.

Adjustments will vary depending on your clients’ individual circumstances. That’s because we consider a variety of factors like age, BMI, and the benefits they are applying for. In most cases premium adjustments improve pricing for clients.

A 5% premium discount for more of your clients^

All new clients receive a 5% TAL Health Sense Plus discount on Life, TPD and CI insurance premiums for up to two years, irrespective of BMI. After that, if eligible, they can maintain their discount by confirming their BMI is in the healthy range and providing proof that they’ve had a preventative health check.

It's another way TAL supports and encourages your clients' good health and wellbeing.

^ Applies to new TAL Accelerated Protection quotes from 26 May 2023. You can find out more, as well as the TAL Health Sense Plus terms and conditions.

Your TPD clients

Better solutions for TPD occupations

We’ve changed our approach to TPD pricing with a new occupation class to provide greater clarity and more tailored pricing for more of your clients.

New Occupation Classes:

  • P – Qualified Professional
  • M – Qualified Health/Medical Practitioner
  • W1 / W2 – Other White-Collar
  • B1 / B2 / B3 – Manual Blue Collar
  • SRA – Special risk category
  • HD – Home Duties


Key dates, downloads and resources

Please note that the last day to submit applications (including tele-interview applications) under the previous Accelerated Protection (PDS dated 5 August 2022) is Monday 9 October 2023.

Learn about the new AP with all the latest tools and resources, now available on the TAL Adviser Centre. You can download the key documents directly here too.

Download PDS
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