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How would your family manage without you?

With the right insurance cover, you can have peace of mind knowing the life you have worked hard to build for you and your family will be financially protected.

Why Life Insurance?

Whether you are forging a career, buying a home, getting married or starting a family, it is important to think about protecting the things that are important to you.

Peace of Mind

If you can't work due to injury, illness, involuntary unemployment, or are no longer around, you and your family can have the peace of mind knowing that they can be financially taken care of.

Set for Life

Getting life insurance when you are fit and healthy means you could be paying less in premiums, making it a good time to get your insurance sorted.

Tailored Cover

You can tailor your cover so you know exactly what you are covered for, and you only pay for what you need. Get a free quote to see how affordable getting covered can be.

Explore our life insurance plans

Our life insurance covers include:

You can't control everything life throws at you, but you can help protect your loved ones should something happen to you.

nib Value Life Insurance

Protection for your greatest assets

You can't control everything life throws at you, but you can help protect your loved ones should something happen to you. If you were to become terminally ill or pass away, with nib Value Life Insurance your loved ones could receive lump sum payment to help protect their financial future.

This could mean being able to pay the mortgage or car loan, pay for medical expenses, take care of ongoing living expenses like food, fuel and school for the kids, or even serve as a financial nest egg to use for the future.

Why choose nib Value Life Insurance?

  • Get a quote online or over the phone
  • Your choice of cover from $100,000 up to $1,000,000
  • No medical tests required
  • Early terminal illness payout
  • Receive one month's premiums free every year if you pay annually
  • Worldwide cover 24/7
  • Tailor your cover to suit your budget and living expenses

What is covered?

  • Death or terminal illness up to $1,000,000 depending on your level of cover
  • nib Premium Protection: in the event a serious accident leaves you unable to perform your daily activities, we’ll reimburse your nib health cover and waive nib Value Life Insurance premiums for up to 6 months. Conditions apply
  • Possible advance payment of $10,000 for immediate expenses

Have you considered life insurance?

Conditions, limitations and exclusions apply. Refer to the Product Disclosure Statement for details.

nib Income Protection

Don't leave your lifestyle to chance

Do you have comprehensive car insurance? Do you have home and contents insurance? You may insure your belongings but have you thought about insuring the income which paid for these belongings?.

nib Income Protection can help protect your income and way of life. If you are unable to earn an income due to injury, illness or involuntary unemployment you could receive a regular payment to support your way of life while you get back on your feet.

Why choose nib Income Protection?

  • Get a quote online or over the phone
  • No medical tests required
  • Premiums are generally tax deductible
  • Premiums tailored to match your job type
  • Choice of payout period and waiting period
  • Receive one month's premiums free every year if you pay annually
  • Tailor your cover to suit your budget and living expenses

What is covered?

  • Receive up to 85% of your income up to $10,000/month for Sickness & Injury Cover
  • Optional extras such as Involuntary Unemployment Cover of up to 85% of your income up to $3,000/month for up to 3 months. Involuntary Unemployment Cover can be added to your policy, but is not available for purchase online. To apply, please call us on 1800 633 170

COVID-19 frequently asked questions



Find out more about your individual policy

If you have any specific questions on your policy, please contact the nib life Customer Service team with your policy details on 1800 633 170.

Have you considered income protection?

Conditions, limitations and exclusions apply. Refer to the Product Disclosure Statement for details.

About the issuer

TAL Life Limited ABN 70 050 109 450 AFSL 237848 of Level 16, 363 George Street, Sydney NSW 2000 is the issuer of the life insurance benefit and St Andrew's Insurance (Australia) Pty Ltd, Level 6,100 Skyring Terrace, Newstead QLD 4006, ABN 89 075 044 656 AFSL 239649 is the issuer of the Involuntary Unemployment Cover outlined on this site.

About the distributor

nib life pty ltd (nib) abn 91 003 037 625 Authorised Representative Number 321683 of 22 Honeysuckle Drive, Newcastle NSW 2300 has been appointed as an Authorised Representative by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 to act on its behalf. nib distributes these products and TAL Direct also administers policies and claims. nib does not guarantee or accept liability under nib life insurance products.

TAL Life disclaimer

The information on this website is for Australian residents only and is subject to change. It is general advice only and does not take into account your financial situation, personal objectives or needs. For more information about the conditions of these products and to determine whether they meet your individual needs, you should refer to the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG): Life Insurance and Income Protection PDS & FSG