TAL Health Sense. A decade of healthier lives.
Celebrating ten years of simple, accessible savings.
Back in 2016, we set out to do something uniquely simple: reward Australians for being healthy.
We stripped away every barrier we could think of—fiddly applications, ongoing check-ups, time-consuming forms—and instead, asked just two questions: height and weight. With a BMI between 19.0 and 28.0 (inclusive), clients were automatically eligible for the TAL Health Sense discount: up to 15% off their Life, TPD and Critical Illness premiums, for life1.
The program has evolved since then, but those fundamentals haven’t changed a bit. And they’ve proven just how well simple can work to create more affordable cover, better retention rates and a more health-aware Australia.
Today, we’re celebrating 10 years of TAL Health Sense—and all your help creating that decade of healthier lives.
One simple idea. Ten years of impact.
Long-term value that supports long-term client relationships
TAL Health Sense was a game changer when it launched and it’s still one of the simplest and most generous BMI-based programs around.
With a discount that applies for the life of your client’s policy and the TAL Health Sense Plus discount available too, the programs create significant, long-term savings that encourage long-term relationships too.
Our data shows that clients with TAL Health Sense or TAL Health Sense Plus retain their policies for longer, with lower lapse rates compared to those without3.
The two programs are creating stronger, longer client relationships, helping the health of your clients and your business.
More than
$200,000,000
cumulative premium savings for TAL Health Sense customers since 2016
Over
$12,000,000
cumulative premium savings for TAL Health Sense Plus customers since 2019
Our health-based discounts, at a glance
TAL Health Sense
A satisfying simple way to create real value for your clients, today and down the track.
- Lump sum premium discount of up to 15% based on BMI
- Lasts for as long as your client has their policy with us
- No tests, forms or checks to keep the discount in place.
Works with: any of our Accelerated Protection lump sum products, for new clients, even if they get an exclusion, the majority of loadings, and smokers are eligible too.
Your role? Just ask your client their height and weight during your early conversations or fact finds. Or leave it to us and we'll check during underwriting if they're eligible. Simple.
TAL Health Sense Plus
More affordable cover and an easy way to encourage your clients’ preventative health care.
- 5% welcome discount automatically applied for two years
- At year two and beyond, the discount renews when your client lets us know they’ve had a preventative test with their GP. We'll never request test results and they don't need to upload any documentation.
Works with: any of our Accelerated Protection products, including Income Protection, for new and existing clients regardless of any loadings or exclusions2.
Your role? The two year renewal is a great opportunity to have a chat with clients about preventative health. You can check which TAL Health Sense Plus clients are approaching that milestone in your TAC reporting and reach out to anyone who might need a hand.
More to come for TAL Health Sense
TAL Health Sense will continue to evolve alongside what you and your clients need, with some new features coming later this year.
In the meantime, if you have any questions, please get in touch with your Business Development Manager, your local TAL sales team or the Adviser Service Centre.
Page current at 20 April 2026
1. A maximum 15% Health Sense discount applies to 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. The discount does not apply to per mille loadings, policy fees and stamp duties. Lifetime discount assumes the policy owner makes no changes to the policy, benefit types or amounts, and that the policy or any benefits have not ended. More information is available on request from TAL.
2. The TAL Health Sense Plus discount applies to the premiums for Accelerated Protection Life Insurance, TPD and Critical Illness Insurance and (where applicable) Income Protection plans only. For eligible existing customers with a policy issued under a PDS and Policy Document dated on or after 24 September 2021 and who receive the TAL Health Sense Plus offer on or after 1 October 2025 are eligible to receive the discount on Income Protection (in addition to Life Insurance, TPD Insurance and Critical Illness Insurance). Existing customers with a policy issued under a PDS and Policy Document before 24 September 2021 are eligible for a discount on Life Insurance, TPD and Critical Illness Insurance only.
3. Based on Accelerated Policies issued 2016-2026, 12-month lapse rate over March 2025 - February 2026