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, one of Australia’s largest life insurers. With over 150 years’ experience protecting Australians and their families, TAL insures millions of Aussies and has been awarded year after year.
TAL is the winner of Canstar's Outstanding Value Direct Life Insurance (2022-2025), Finder's Best Income Protection Insurance (2023-2025), Finder’s Best Life Insurance (2024-2025) and Money magazine's Best Value Direct Life Insurance (2025).
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.
$4.7 billion in claims paid in FY 2024/2025*
Helping more Australians with the moments that matter.
Am I eligible for TAL Life Insurance?
To be eligible for Accelerated Protection, you need to be between the ages of 19–74 to start a new policy (depending on the type of premium) and be an Australian citizen or permanent resident or a New Zealand resident living permanently in Australia.1
Get started with an online quote
1. Explore cover options
Find out more about Accelerated Protection cover options on 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.
2. Get a quote in minutes
Complete a simple quote form with our partner TAL. You'll need to enter your date of birth, gender, smoking status, occupation and income. Then, provide your contact details to calculate your quote.
3. Apply and secure your cover
Depending on the information provided in the quote, you'll either be able to continue to apply online or via a call back from a TAL consultant.
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.
Life Insurance
✔ Pays a lump sum payment if you pass away or are diagnosed with a Terminal Illness and have less than 12 months to live
✔ You can get a quote online for cover ranging from $100,000 to $5 million
✔ Up to $10,000 built-in Child’s Critical Illness benefit
✔ Future Insurability built-in benefit lets you increase your cover by up to $200,000 without underwriting following a major life event
✔ 24/7 access to dedicated grief support
Total & Permanent Disability (TPD) Insurance
✔ You can get a quote online for cover up to $1.5 million
✔ Flexible structuring options, speak with TAL
✔ Advanced payment of 25% of the benefit amount ($500,000 maximum), if you suffer permanent loss of use of a single limb or eyesight in one eye
✔ Up to $10,000 built-in Child’s Critical Illness benefit
✔ Future insurability built-in benefit lets you increase your cover by up to $200,000 without underwriting following major life event
Critical Illness or Trauma Insurance
✔ Built-in paralysis support benefit, double the benefit amount up to $2,000,000
✔ Up to $10,000 built-in Child’s Critical Illness benefit
✔ Advancement benefit, paying a portion of the benefit amount for specified injuries and illness, including some early-stage cancers
Income Protection Insurance
✔ Provides you with a recurring income to help you focus on recovery if you're unable to work due to sickness or injury
✔ Up to 70% of your monthly income. You can get a quote online for cover up to $20,000 per month
✔ Your choice of a 4, 8 or 13 week waiting period
✔ When you're receiving certain benefits, you won't have to pay a premium
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.
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.
Life insurance help and guides
Important information
1Subject to TAL Life's Underwriting assessment.
*Claims statistics based on total claims paid under TAL Life Limited and TAL Life Insurance Services Limited insurance products (including funeral insurance) between 1 April 2024 and 31 March 2025.
^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.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). The PDS and TMD can be obtained from TAL's website or by calling 1300 345 623.
Life Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life). TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) refers customers to TAL, but does not guarantee the insurance.
By selecting 'Get started' you will enter a third-party site hosted by TAL. Any personal information you provide to TAL will be collected, used and disclosed in accordance with TAL’s Privacy Statement and Privacy Policy available on their website.
If you purchase Life Insurance with TAL, the Bank will receive a commission of 10% of the premiums (exclusive of GST) for the period you continue to hold a policy.
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.