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TAL Life Insurance in Australia offers peace of mind by ensuring that your loved ones are financially secure in the event of your passing or if you are diagnosed with a terminal illness. With flexible plans, health-based discounts, and easy application options, TAL life is one of Australia’s most trusted life insurance providers, serving over 5 million customers nationwide.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
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TAL Life Limited is a leading specialist in life insurance in Australia. With a legacy of reliability, TAL paid $4.7 billion in claims in the 2024/25 financial year and continues to support Australians through some of life’s most difficult moments. The company offers a wide range of life insurance products tailored to different life stages, from young families and single professionals to older adults nearing retirement.
Term Plans
Life insurance is a financial safety net for your family if something were to happen to you. It pays a lump sum benefit to your nominated beneficiary or estate if you pass away or are diagnosed with a terminal illness. This payout can help cover:
Home loans or rent
Day-to-day living expenses
School or university fees
Medical and other household bills
This allows your loved ones to maintain their lifestyle and cope financially during an emotionally challenging time.
With TAL, life insurance works on a simple principle:
You pay a premium regularly (monthly, quarterly, half-yearly, or annually), and in return, TAL provides financial coverage in case of death or terminal illness diagnosis.
Here’s how it works:
You choose a cover amount (from $100,000 to $5 million online).
You pay premiums based on your age, lifestyle, and cover level.
If the insured event occurs, TAL pays out the benefit to your nominated beneficiary.
TAL also includes access to support services like grief counselling and financial planning.
Life insurance is not a savings plan and does not have any cash value if the term ends without a claim.
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| Feature | Description |
| Death Benefit | Lump sum payment to your beneficiary or estate upon your death. |
| Terminal Illness Benefit | If diagnosed with a terminal illness (less than 12 months to live), full cover amount is paid early. |
| Child’s Critical Illness Benefit | $10,000 benefit for your child (aged 2–19) for specified critical illness—no underwriting needed. |
| Future Insurability | Increase your cover by up to $200,000 when major life events occur, without medical underwriting. |
| Health Sense Discounts | Premium discounts of up to 15% if you maintain a healthy lifestyle (TAL Health Sense & Health Sense Plus). |
| Flexible Premium Payments | Choose monthly, quarterly, half-yearly, or annual payment options. Annual payments get 1 month free. |
| Policy Bundling | Add options like TPD, Critical Illness, and Income Protection for broader coverage. |
| Tailored Cover | Adjust cover amounts to suit your family’s needs and life goals. |
TAL Accelerated Protection policies also include:
Advanced Payment Benefit
Repatriation Benefit
Grief Support Benefit
Financial Planning Benefit
Inflation Protection Benefit
Premium Freeze Benefit
Long Distance Accommodation Benefit
These are designed to offer practical and emotional support during difficult times.
You can customise your TAL Life Insurance plan by adding:
Total and Permanent Disability (TPD) Insurance
Financial support if you’re permanently unable to work.
Critical Illness Insurance
Lump sum payment if you suffer a serious illness such as cancer, heart attack, or stroke.
Income Protection Insurance
Helps replace a portion of your household income if you can’t work due to illness or injury.
To apply for TAL Life Insurance, you must meet the following:
Age: 18–73 years at the time of application.
Residency: Australian citizens, permanent residents, or New Zealand residents living permanently in Australia.
Medical assessments are generally not required for online applications, making the process hassle-free.
Get a Life Insurance Quote
Use the term insurance calculator to estimate your premium and coverage level.
Speak to a Consultant
TAL’s advisors will help you choose a plan that matches your lifestyle and needs.
Review Your Policy
Go through the quotes insurance, and Product Disclosure Statement (PDS), and customise the plan with extras.
Confirm and Pay
Once satisfied, confirm your application and make the payment. You’ll receive a confirmation email, and your policy will be active.
| Reasons to Choose TAL | Details |
| Trusted by Millions | Serving over 5 million Australians |
| Claims Commitment | $4.7 billion paid in claims (2024/25 FY) |
| Health Rewards | Up to 15% discount for healthy living |
| Customisable Plans | Cover tailored for each life stage |
| Grief Support Services | 24/7 access to emotional and bereavement assistance |
| Award-Winning Products | Recognised for excellence in customer service and innovation |
Non-Resident Indians (NRIs) can buy term insurance for NRI from Indian insurers through multiple convenient channels. With global coverage, flexible payment options, and INR-based policies, it remains a practical choice for long-term financial planning.
Lower Premiums: Term insurance for NRI from Indian insurers are much more affordable than international term plans.
Global Life Coverage: Most Indian term plan for NRI cover death worldwide, unless specifically excluded (e.g., in war zones).
Tax Advantages in India: You can claim 18% GST waiver on the premiums paid via NRE bank account that supports freely convertible currency.
Tele/Video Medicals: Several insurance providers offer tele/video medical services that allow you to clear your medicals online without having to visit your current country of residence.
Claim Settlement in India: If you buy term plan for NRI from an Indian insurer, your family can get easy and hassle-free claim process in India.
Special Exit Benefits: Term insurance for NRI in Australia can easily exit their plans and receive all their premiums paid back at the end of the policy.
Here is how you can buy term life insurance for NRIs from India:
Step 1: Visit the term insurance for NRI page of Policybazaar
Step 2: Fill in your name, gender, and contact information
Step 3: Select the right smoking habits, educational qualifications, annual income, and occupation type
Step 4: Choose the best term life insurance for NRI and proceed to pay
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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