Tip:
Compare All

Once you have selected age and gender, click here to view a comparison of claims paid for each insurance type.

{{ !details.option ? 'Enter details' : 'Option '+details.option }}

Make a selection from the following options to get the break down you’re looking for.
You can filter by gender, age and insurance type. Alternatively, select the 'Compare All Products' button to see a side-by-side comparison report for your selected age and gender.

Gender

{{ gender }}

Age

{{ age_group }}

Insurance

{{ cover_type }}

Please note:
Total & Permanent Disability insurance is not sold for
Over 65 age group.

Please note:
You must select at least one gender and one age group to enable Compare All Products.

Clear All
Delete Option
{{ details.loading ? 'Please wait...' : (!details.option ? 'Calculate' : 'Save Option') }}

Welcome to the
TAL Reality Checker

At TAL, we’re in the business of paying claims. In fact, in 2016, we paid almost $1.4 billion in claims to help over 23,000 Australian families when they needed us most.

The TAL Reality Checker is designed to help you grow your knowledge, to grow your business. It allows you to break down real claims figures based on TAL’s claims data over the last six years. You can also watch real claims stories and run custom report to show your clients what he numbers mean, personally.

So go on – get a Reality Check now.

Get Started

Your reality check

{{ labels.gender }} • {{ labels.age_group }} • {{ labels.cover_type }}

In the last six years we paid
${{ result.benefits.covertype }}m
in {{ labels.cover_type }} claims

Of that we paid
${{ formatMoney(result.benefits.total) }}
to people just like you,
(or someone you’re comparing)

{{ labels.gender }} • {{ labels.age_group }} • {{ labels.cover_type }}

Claims we pay stretch across
many illnesses and injuries

{{ labels.gender }} • {{ labels.age_group }} • {{ labels.cover_type }}

{{ breakdown.percent }}%
{{ diseases[breakdown.disease] }}

And here’s what we paid
for each type of illness or injury

{{ labels.gender }} • {{ labels.age_group }} • {{ labels.cover_type }}

${{ formatMoney(breakdown.value) }}
{{ diseases[breakdown.disease] }}
Related case
studies
PDF
Add to
comparison

Insurance Types

TAL’s greatest aim is for our customers to value life insurance. Having the right kind of life insurance gives you and your family more power to make plans, and more confidence that you can achieve them. And because life is all about growth and change, we’ve developed a range of options to suit the way you live. We call it Accelerated Protection and you can mix and match its options to fit in with your own life plans – for now, and for later.

Life Insurance

Life Insurance:

Life insurance is all about giving the people you care about financial security if you’re no longer alive to support them.

Benefits of having it

With Life insurance, if you die, your loved ones receive a lump sum benefit that they can use to continue living the way you want them to. Having the right level of cover helps ensure your family can survive financially without you. The benefit payment is up to you to spend however it can be used to meet mortgage repayments, day to day expenses and funeral costs. TAL life insurance can be held either inside or outside super.

How life insurance works

Mark, a 54 year old senior manager, was married for twenty years and had two teenage children. His wife passed away unexpectedly leaving mortgage repayments and other debts still to pay.

While devastated by the loss of his wife, her TAL Life Insurance policy meant Mark was able to continue comfortably support his two children without any financial pressures.

Critical Illness

Critical Illness Insurance:

Critical illness insurance pays you an agreed amount if you’re diagnosed with a specified critical illness event, such as cancer or heart disease.

Benefits of having it

It’s designed so that you can stop work and concentrate on getting better. You can use this money to pay debts, cover living expenses, along with your medical costs and any modifications needed to your home (such as rails or wheelchair access).

How Critical Illness Cover works

Sophie, a 52 year old bookkeeper, found she had thyroid cancer after her doctor ran some tests for pain and swelling in her neck.

Under her Critical Illness cover with us, Sophie received $781,385 which she used to pay off her mortgage, all her surgery bills and a short holiday to recuperate before going back to work.

Income Protection

Income Protection:

Income Protection is designed to replace your income if you’re unable to work through illness or injury.

Benefits of having it

Income Protection enables you to maintain your ability to cover your living expenses (like your rent or mortgage, groceries, utility bills and children’s school fees) during your recovery period.

It will cover you for up to 75 percent of your normal income over the duration of the period you’re unable to work – or until the end of the benefit period of your policy.

How Income Protection works

Laura, a 27 year old dentist, was diagnosed with a brain tumour. Her treatment involved two surgeries, radiotherapy and chemotherapy.

Laura’s TAL Income Protection policy provided her with monthly disability benefits of around $250,000. Fortunately for her, during the chaos of her illness she hasn’t had to worry about the stress of covering her bills.

TPD

Total & Permanent Disability:

Total & Permanent Disability (TPD) insurance gives you a tax-free lump sum benefit if you're permanently unable to work due to accident or illness.

Benefits of having it

As you’re not able to work again, you can choose to use it as you wish. You can pay off debts and/or invest it to generate regular income.

How TPD works

Russell, a 34 year old executive, suffered a stroke at work. Under his TPD cover with us, he received $593,296 which he used to pay off his mortgage and modify his home.

He also invested some and used the income to cover his living expenses and pay for his ongoing rehabilitation.

The claims stories are provided for illustrative purposes only and are loosely based on real life claims stories of TAL customers.

Case Studies

{{ labels.cover_type }}

Read more about Insurance Types

Watch Jay's story

Critical Illness

Jay and his family enjoyed the Australian outdoor lifestyle, living on the coast and spending evenings and weekends at the beach. One particular summer spent in the sun, Jay began to notice ...

Watch Jess's story

Critical Illness

Being young and healthy, Jess never expected to have to need her life insurance plan. However, after a she was diagnosed with a melanoma at a young age, she was grateful she had taken the ...

Loading...

{{ data.name }}’s story

{{ csCoverTypes[data.cover_type] }}

{{ data.what | limitTo:110 }}…

Read more
{{ csCoverTypes[pagedata.cover_type] }}

{{ pagedata.name }}’s story:

{{ csCoverTypes[pagedata.cover_type] }}, {{ pagedata.reason }}

Who is {{ pagedata.name }}?

{{ pagedata.who }}

What happened to {{ pagedata.name }}?

{{ pagedata.what }}

Where is {{ pagedata.name }} now?

{{ pagedata.where }}

{{ pagedata.quote }}

PDF
Go back
The claims stories are provided for illustrative purposes only and while they are loosely based on real life claims stories of TAL customers, significant details have been changed to protect the identity of the claimant. The quotes are entirely fictional and have been included to assist to illustrate how the payment of a claim may affect the life of the claimant or their family. This document provides general information only and does not take into account a potential policy owner’s objectives, financial situation or needs. Before making a decision based on the contents of this document, a potential policy owner should consider the appropriateness of this information having regard to their objectives, financial situation, and needs, speak with their financial adviser and read the Accelerated Protection Product Disclosure Statement. All claims submitted to TAL are assessed against the relevant policy terms and conditions. Please consult the appropriate Product Disclosure Statement and Policy Document for the full explanation of our claims processes and conditions. TAL Life Limited ABN 70 050 109 450 AFSL 237 848.

Tip:
Compare searches

Click this button to add your current search for comparison. When you have two or more options, press the Compare button.

Tip:
Option 1 saved!

You’ve added a result for comparison. To compare this with another result, enter some new details and add these for comparison.

Tip:
Compare options

You have enough options to make a comparison. You can even create 2 more! Rollover an option and press the to edit or delete it.

Tip:
No more options

You’ve reached the maximum number of options that can be created. To compare different results, rollover an option and press the to edit or delete it.

Tip:
Printing setup

For the best print and PDF results, {{ device.os=='mac' ? 'go to File > Print...' : 'press ALT+F and then select “Print preview...”' }}. Use the settings to enable background images and colours and change the page orientation to landscape.

If the Adobe PDF export has missing or garbled text, please follow these steps.

Tip:
Add to home screen

Tap the browser options icon and add TAL Reality Checker to your iPad's home screen for easy access and a full screen experience.

Comparison

This is a comparison of the options you have chosen.

{{ data.labels.gender }}

{{ data.labels.age_group }}

  • {{ cover_type }}
  Edit
Total claims benefits paid out for the cover type in the last 5 years: ${{ data.result.benefits.covertype }}m
Total claims benefits paid to cover type, age & gender: ${{ formatMoney(data.result.benefits.total) }}
Claims by condition:

{{ breakdown.percent }}%
{{ diseases[breakdown.disease] }}

Amount paid by condition:

${{ formatMoney(breakdown.value) }}
{{ diseases[breakdown.disease] }}