Life and Income Protection Insurance

We no longer offer new Life and Income Protection Insurance policies

We stopped offering new Life Insurance & Income Protection Insurance quotes on 26 March 2021. Existing quotes will be valid until 31 March 2021. New policies will no longer be offered from 1 April 2021.

If you already have a Life or Income Protection Insurance policy, there's no change to your cover.

For any questions regarding an existing policy, please contact the nib life Customer Service team, and have your policy details nearby on 1800 633 170.

Product Disclosure Statements

Life insurance and Income Protection.pdf - (324kb)

Critical Illness.pdf - (783kb)

About the issuer

From the 1st April 2021, TAL Life Limited ABN 70 050 109 450 AFSL 237848 of Level 16, 363 George Street, Sydney NSW 2000 will no longer be issuing the nib life insurance and nib income protection benefit and St Andrew's Insurance (Australia) Pty Ltd, Level 6,100 Skyring Terrace, Newstead QLD 4006, ABN 89 075 044 656 AFSL 239649 will no longer be issuing the Involuntary Unemployment Cover which is a benefit of the nib income protection product 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. While nib no longer distributes these products, existing policies and claims will continue to be administered under an agreement with the insurers, TAL Life Limited ABN 70 050 109 450 AFSL 237848 and for Involuntary Unemployment Cover, St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649

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

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 9.00am to 5.30pm (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.

Life and Income Protection Insurance

Product Disclosure Statements

About the issuer

About the distributor

TAL Life disclaimer

Use of this website

How to claim

Need additional support?

Transport to Medical Appointments from rural or regional locations

Assistance for customers having difficulty meeting timelines or identification requirements

Contact us

Service

Need additional support?

Translation Services

National Relay Service

Code of Practice

What is the Life Insurance Code of Practice?

Complaints and dispute resolution

What can I do if I’m suffering financial hardship and am having difficulty paying my premium?