What is TAL CoverBuilder?

TAL CoverBuilder lets you customise your protection by choosing cover types, sums insured and optional benefits to suit your life stage.

Can I increase my cover later?

Yes. With Future Insurability you can increase cover after major life events without new medicals, subject to policy terms.

TAL offers health-linked premium savings programs (e.g., Health Sense) which may reduce premiums for eligible customers.

Life (Death & Terminal Illness), TPD, Trauma/Critical Illness, Income Protection and Children’s Critical Illness cover.

Explore TAL insurance offerings through Covermate Life—compare tailored cover options, key features, and benefits to secure your financial future today.

TAL provides a flexible suite of products to suit different needs and life stages:
Life Insurance (Death & Terminal Illness Cover) – Lump-sum payment upon death or terminal illness diagnosis.
Total & Permanent Disability (TPD) Insurance – Provides financial support if you’re permanently unable to work.
Critical Illness / Trauma Insurance – Pays a lump sum if diagnosed with serious conditions like heart attack or stroke.
Income Protection Insurance – Replaces a portion of your income during illness or injury, typically up to 70%.
Children’s Critical Illness Insurance – Covers children up to age 19 for specific critical illnesses.

Build Your Cover with Customisation
TAL’s CoverBuilder lets you tailor your insurance—choose cover type, sum insured, and add optional extras.
Future Insurability
Automatically increase your cover by up to $200,000 (max.), without health checks, following major life events like marriage or buying a home.
Health-Smart Savings
Enjoy premium discounts through programs like Health Sense & Health Sense Plus when maintaining a healthy lifestyle.
Inclusive Family Options
Child’s Critical Illness benefit—up to $10,000 without underwriting—for eligible children up to 19 years old.
Support Beyond the Claim
Includes premium freeze, inflation protection, grief support, financial planning assistance, and more.

TAL is committed to supporting Australians when they need it most. In FY 2024–25, TAL paid out over $4.2 billion in claims, with 73% being living benefits (e.g., income protection, critical illness), highlighting a strong focus on supporting people through life’s challenges.

Compare with Confidence – Instantly assess TAL against other top insurers like AIA, Zurich, OnePath, and MLC.Cover Mate
Tailored Advice – Our advisors help match TAL products to your financial goals and lifestyle.
Fast, Transparent Quotes – Get clear, accurate pricing online in minutes.

A 35-year-old homeowner looks for broad protection:
Chooses Life + TPD + Income Protection coverage—$1.5M Life, $500K TPD, 70% Income Protection (up to $7,000/month)
Enables Future Insurability to grow cover later without reassessment
Applies Health Sense discounts for lower premiums
Adds Child’s Critical Illness benefit for extra family protection

What is TAL CoverBuilder?
A flexible tool that allows you to build customised insurance packages tailored to your life and needs.
Can I increase my cover later?
Yes—TAL’s Future Insurability Benefit allows cover increases without underwriting upon major life events.TAL
Does TAL reward healthy behaviours?
Absolutely. Premium discounts available through Health Sense programs reward your healthy habits.
What makes TAL’s claims better?
TAL focuses heavily on living benefits. Paid $4.2B in claims recently, with nearly three-quarters going toward living benefit claims.

Secure your future with TAL Life Insurance—flexible, feature-rich, and trusted. Explore plans, compare quotes, and apply today:
Start Now – Use our quote tool to compare policies
Talk to Us – Our advisors can guide you to the right cover
Apply Securely – Apply online or take advantage of adviser support