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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.

If the unexpected happens and you're unable to work, have you thought about how you would afford your ongoing living expenses without your regular income?

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?

  • Simple application 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?

  • Simple application online or over the phone
  • No medical tests required
  • Premiums are generally tax deductible
  • Pay up to 30% less in premiums if you are in good health*
  • 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
  • *Up to 30% less on premiums based on the potential difference between Basic Cover and nib Income Protection.

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
  • Cover available for students, stay-at-home parent and self-employed with Basic Cover option

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 health care services 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

Personal information disclosed during the application process is collected by TAL Life and nib, and is subject to the TAL Life Privacy Policy and nib Privacy Policy. The way in which TAL and nib collect, use, disclose and secure your personal information is set out in their respective Privacy Policies.

TAL and nib specifically disclaim any liability that may arise for any direct, indirect, incidental, consequential or special damages that may arise from the access to or use of this website. No liability is accepted by TAL or nib for errors or omissions or for loss or damage suffered as a result of reliance on any information or document available on this website.

In the event that you or a family member has to claim on a life insurance policy, a dedicated case manager will be appointed. Your case manager will be your personal point of contact throughout the settlement of the claim.

To contact the claims team, please call Freecall 1800 633 170, from 8.00am to 7.00pm (AEST) Monday to Friday. Your case manager will then take details of your claim, send you a claim form and tell you any other requirements that may be needed to complete the claim.

A claim payment will be made to any beneficiaries you have nominated in your application or while the policy is in force. If you have not nominated any beneficiaries, the amount will be payable to your estate.

Need additional support?

Transport to Medical Appointments from rural or regional locations

As part of the assessment of an application or a claim, it is sometimes necessary to request our customers be examined by an independent medical specialist or, for a claim, to attend rehabilitation related services.

In all cases, we will try to organise appointments to take place close to your home, to ensure as little inconvenience as possible for you. However, for our customers living in rural or regional communities, if a suitable provider is not located in your local area, nib Life Insurance will pay reasonable costs for your transport costs to attend the medical appointment.

If flights and accommodation are required for you to attend medical assessments, we will organise this for you. If there is a medical reason you cannot travel alone, we will also consider paying any travel costs for someone to accompany you. Prior approval is required from nib Life Insurance prior to the appointment.

For our disabled customers, please speak to your nib Life Insurance Customer Service Representative or Claims Case Manager to ensure that there is suitable access for you at the medical appointment.

In all cases, please speak to your nib Life Insurance Customer Service Representative or Claims Case Manager prior to incurring any expenses to confirm what payments can be reimbursed. They are committed to helping you find a suitable solution.

Assistance for customers having difficulty meeting timelines or identification requirements

We recognise that some of our customers may find it difficult to attend medical appointments or to obtain the necessary documentation in the timeframes we request to keep your application or claim open.

When this is a challenge, we will work with you to agree on reasonable timeframes and assist you in booking medical appointments or obtaining the required documentation to support your application or claim.

Where we are requesting information, we will contact you at intervals to keep you updated about the process. It is also important for you to keep your nib Life Insurance Customer Service Representative or Claims Case Manager updated on your efforts or we may inadvertently close your application or claim.

If you are experiencing difficulties, please speak to your nib Life Insurance Customer Service Representative or Claims Case Manager who will be able to help you.

What is the Life Insurance Code of Practice?

The Life Insurance Code of Practice (‘the Code’) is a series of customer service standards that all life insurers who are members of the Financial Services Council (FSC) need to comply with from 1 July 2017. These standards cover the key areas of life insurance sales and marketing practices, underwriting and claims and are designed to simplify the experience customers have with life insurers. The aim of the Code is to commit insurers to achieve high customer service standards, communicate with customers in plain language and to seek continuous improvement, to increase overall trust and confidence in the life insurance industry.

Why is the Code of Practice important?

A contract of insurance is based on the principle of good faith which requires both the insurer and the customer to act honestly and fairly towards each other, and for the insurer to have the best regard for the customers’ interests. The Code of Practice will enhance consumer rights and lift industry standards in order to deliver better customer outcomes.

Key Code Promises

  1. We will be honest, fair, respectful, transparent, timely, and where possible we will use plain language in our communications with you.
  2. We will monitor sales by our staff to ensure sales are appropriate.
  3. If we discover that an inappropriate sale has occurred, we will discuss a remedy with you, such as a refund or a replacement policy.
  4. We will provide additional support if you have difficulty with the process of buying insurance or making a claim.
  5. When you make a claim, we will explain the claim process to you and keep you informed about our progress in making a decision on your claim.
  6. We will make a decision on your claim within the timeframes defined in the Code, and if we cannot meet these timeframes you can access our complaints process.
  7. If we deny your claim, we will explain the reasons in writing and let you know the next steps if you disagree with our decision.
  8. We will restrict the use of investigators and surveillance, to ensure your legitimate right to privacy.
  9. The independent Life Code Compliance Committee will monitor our compliance with the Code.
  10. If we do not correct Code breaches, sanctions can be imposed on us.
  1. We will restrict the use of investigators and surveillance, to ensure your legitimate right to privacy.
  2. The independent Life Code Compliance Committee will monitor our compliance with the Code.
  3. If we do not correct Code breaches, sanctions can be imposed on us.

Our commitment to the Code of Practice

nib Life Insurance policies are issued by TAL, who played a key role in creating the Life Insurance Code of Practice. We are committed to delivering the best possible customer service standards and support the Financial Services Council in promoting and monitoring the Code of Practice. We will continue to look for ways to raise the standards of customer service now and over the years to come.

Download a full version of the Code of Practice

If you have any questions about nib life insurance products, please contact us at nib using any of the below contact points.

Call

Freecall 1800 633 170

Fax

Mon - Fri 8.30am - 6.00pm (AEST)

Send an email to

A consultant will respond to your query within the next 2 working days.

Write to

nib Life Insurance Team
PO Box 72
Carlton South, VIC 3053

Need additional support?

Translation Services

For our non – English speaking customers, we offer a free Translation and Interpretive (TIS) service through the Australian Government. This can be accessed by calling TIS on 131 450. TIS will organise a translator for the language you require, then they will call us. nib Life Insurance will accept the full cost of the translation service. Pre-booked phone interpreters can also be arranged in advance of an appointment. Please speak to your nib Life Insurance Customer Service Representative or Claims Case Manager.

National Relay Service

We use the National Relay Service (NRS) to ensure we are accessible to our customers who have a hearing or speech impairment.

To access a nib Life Insurance telephone number:

  • TTY (Text Telephone) users - phone 133 677 then provide the nib Life Insurance phone number you wish to contact

  • Speak and Listen (speech-to-speech relay) users - phone 1300 555 727 then provide the phone number you wish to contact

  • Internet relay users - visit the National Relay Service http://relayservice.gov.au/making-a-call/, and provide the phone number you wish to contact.