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.

What is the Life Insurance Code of Practice?

The Life Insurance Code of Practice is a series of customer service standards that all life insurers who are members of the Financial Services Council (FSC) need to comply with. These standards cover sales and marketing practices, underwriting and claims and are designed to protect you.

Learn more here

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

We will be honest, fair, respectful, transparent, timely, and where possible we will use plain language in our communications with you.
We will monitor sales by our staff to ensure sales are appropriate.
If we discover that an inappropriate sale has occurred, we will discuss a remedy with you, such as a refund or a replacement policy.
We will provide additional support if you have difficulty with the process of buying insurance or making a claim.
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.
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.
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.
We will restrict the use of investigators and surveillance, to ensure your legitimate right to privacy.
The independent Life Code Compliance Committee will monitor our compliance with the Code.
If we do not correct Code breaches, sanctions can be imposed on us.

We will restrict the use of investigators and surveillance, to ensure your legitimate right to privacy.
The independent Life Code Compliance Committee will monitor our compliance with the Code.
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

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?

Why is the Code of Practice important?

Key Code Promises

Our commitment to the Code of Practice

Complaints and dispute resolution