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Welcome to the
TAL Reality Checker

Supporting Australians when they need us most is the most important thing we do. That’s why in 2020, we paid over $2.7 billion in claims to over 36,000 Australians and their families.

The TAL Reality Checker can help you understand what a claim payment might mean for someone like you, by breaking down real TAL claims data by age, gender and insurance type.

Get Started

Your reality check

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In the last ten years we paid
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in {{ labels.cover_type }} claims

Of that we paid
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to people just like you,
(or someone you’re comparing)

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Claims we paid were for many illnesses and injuries

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

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Insurance Types

Having the right type and amount of insurance gives you and your loved ones confidence that you can continue to make the most of the life you love when things change. With TAL’s Accelerated Protection, you and your adviser can mix and match options to make sure you’ve got the cover you need now – and in the future.

Life Insurance

Life Insurance provides a lump sum payment to your loved ones when you die or if you’re diagnosed with a terminal illness.

Your family can use that payment however they choose: for day-to-day living expenses or mortgage repayments, to cover your kid’s school fees or to provide security for your partner’s retirement.

An example

Mark was married for twenty years and has two teenage children. His wife passed away unexpectedly, leaving mortgage repayments and other debts to pay. Her TAL Life Insurance benefit payment meant Mark was able to continue comfortably supporting his children without financial pressure.

Critical Illness Insurance

Critical Illness Insurance provides a lump sum payment if you’re diagnosed with a serious illness like cancer or suffer a major health event, like heart attack or stroke.

You can use a Critical Illness payment however you wish: for medical services and treatments, for support or ongoing care at home, or to cover living costs and household expenses so you can focus on your health.

An example

Sophie was 52 when she was diagnosed with thyroid cancer. Under her Critical Illness cover with TAL, Sophie received $781,385 which she used to pay off her mortgage, cover her surgery bills and take a short holiday to recuperate before going back to work.

Income Protection

Income Protection provides an alternative source of income, as a monthly payment, if you’re unable to work due to an illness or injury. It covers up to 75 percent of your normal income until you're able to go back to work or until the end of the benefit period.

You can use the payments however you wish: to cover living costs and household expenses like mortgage repayments, groceries and utility bills, to support your family (school fees, for instance) or for rehabilitation services to help you get back to work as soon as possible.

An example

Laura was 27 when she 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 in total, helping her focus on her health rather than worrying about her finances.

Total & Permanent Disability Insurance

Total and Permanent Disability (TPD) Insurance provides a tax-free lump sum payment if you become permanently disabled due to accident or illness, and are unable to work.

You can use a TPD payment however you wish: for medical services and treatments, ongoing care at home, or to cover living costs and household expenses so you can focus on your health.

An example

Russell suffered a stroke at work when he was 34 and his doctors determined he was unlikely to ever be able to work again. Under his TPD cover with TAL, he received $593,296, which he decided to use to pay off his mortgage and make some modifications to his home. He also invested some of the benefit payment and used this investment income to cover living expenses and ongoing rehabilitation costs.

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

Case Studies

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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 ...


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Read more

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Download PDF
Back to Case Studies
Important Information: This is a true claims story reproduced with the permission of the claimant. Any advice contained in this document is of a general nature only and does not take into account your individual objectives, financial situation or needs. Before acting on the contents of this document you should assess whether the advice is appropriate for you. You should also consider the Accelerated Protection or Accelerated Protection for Investment Platforms Product Disclosure Statement (available at www.tal.com.au) before making any decision about a product discussed in this document and seek professional advice based on your personal requirements before deciding whether the product is suitable for you.
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.
Accelerated Protection and Accelerated Protection for Investment Platforms is issued by TAL Life Limited | GPO Box 5380, Sydney NSW 2001 | ABN 70 050 109 450 | AFSL 237 848

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Here’s how the options you selected compare

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Claims by condition

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Amount paid by condition

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