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| TAL Life Insurance | Additional detail | |
|---|---|---|
| TPD (Disability) Cover |  Optional Extra |
If you are diagnosed totally & permanently disabled (TPD), you will be paid your full benefit |
| Entry Ages | 19 – 60 | You can apply for this product if your age next birthday lies within this range |
| Policy Expires | Life Cover: Age 70 TPD Cover: Age 65 |
The policy will expire on the policy anniversary before you turn this age |
| Benefit Levels | Minimum: $100,000 Maximum $1,000,000 |
The benefit is the amount you will be paid in the event of death or disability |
| Cooling Off Period | 30 days | You can cancel your policy any time within the cooling off period and you will not be charged |
| Coverage | WORLDWIDE (unless country has ‘Do Not Travel’ warning) | Protect your family’s financial security, with cover applying 24 hours a day in these locations |
| Medical Requirements | None | There are no medical tests required to obtain this insurance |
| Premium Frequency | Monthly | Insurance premium paid by monthly instalments to help you manage your budget |
| Application Process |  Online |
Complete your application online in about 10 minutes.. |
| Terminal Illness Benefit | Yes |
Your life insurance benefit is paid prior to death if you are deemed to have less than 12 months to live |
| Nomination of Beneficiary | Yes |
Your benefit is paid directly to your nominated beneficiary, giving you greater control over who gets the money |
| Inflation Protection | Yes |
Insured value automatically increases at least 5% per year to protect you against inflation |
| Note: Please read the applicable Product Disclosure Statement made available to you at the start of the application process for full details on your chosen personal insurance products | ||