Changes for new Accelerated Protection applications from 26 May 2023

All new applications from 26 May will get TAL’s 5% Health Sense Plus discount upfront


Head of Licensees and Partnerships

Beau Riley

At TAL we’re focused on supporting your clients to improve their health and wellbeing. To encourage this, we’re extending our Health Sense Plus 5% discount to new TAL Accelerated Protection quotes from day one on premiums for Life, TPD and Critical Illness Insurance irrespective of BMI, starting 26 May 2023.

This discount will apply for two years following policy commencement. Your clients will be able to retain this 5% discount after that for two year periods at a time, if eligible, by confirming their BMI is within the TAL Health Sense range (19.0 – 28.0) and taking a preventative medical check. All the evidence we require of the test is a copy of their GP’s invoice or referral letter. An offer will be provided to your eligible clients via email ahead of the expiry of the discount.

There are no changes to the current TAL Health Sense discount which continues to apply for the life of the policy if conditions are met at the time of underwriting, nor are there changes to the TAL Health Sense Plus program for all other existing eligible customers. For more information, please visit our website, or download the full terms and conditions.

New business pricing updates 

We are also making price adjustments for new Accelerated Protection applications for both stepped and level premiums.

The price adjustments will apply to new applications for Accelerated Protection Life, Total and Permanent Disability (TPD), Critical Illness (CI) and Income Protection (IP) benefits, from 26 May 2023. They will vary depending on your clients’ individual circumstances, as they take into account a variety of factors such as their age, BMI and the benefits they are applying for. Most premium adjustments will improve pricing for clients. .

Transition period

To support you through this change, we will provide a 30-day transition period for both existing quotes and applications not yet submitted for your clients.

All submitted applications in proposal will retain the quoted premium as submitted (subject to underwriting review). However, quotes and incomplete or unsubmitted applications will expire at the end of the 30-day transition period, and a new quote must be created via the TAL Adviser Centre. 



As always, please contact your local Business Development Manager, or call our Adviser Service Centre on 1300 286 937 (Monday to Friday 8:00am - 7:00pm AEST) if you need any assistance or support from us.



This information has been prepared for use by licensed advisers in their professional capacity only and is not intended to be used by clients to make a decision. Any financial product advice is general in nature only and does not take into account any person’s objectives, financial situation or needs. Before acting on it, the appropriateness of the advice for any person should be considered, having regard to those factors. Persons deciding whether to acquire or continue to hold life insurance issued by TAL Life should consider the relevant Product Disclosure Statement (PDS). The Target Market Determination (TMD) for the product (where applicable) is also available.
Life insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237 848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). 
TAL Health Sense Plus is subject to offer and eligibility criteria. Full terms and conditions are available at The TAL Health Sense and TAL Health Sense Plus discounts apply to the premiums for Accelerated Protection Life Insurance, Critical Illness insurance and TPD Insurance plans only. Policy fees and stamp duties are not discounted. Preventive screening tests are at the participant’s expense and are not reimbursed by TAL. TAL Health Sense Plus is not a substitute for professional, medical advice or care. TAL does not guarantee to offer TAL Health Sense or TAL Health Sense Plus in perpetuity, and reserves the right to withdraw, alter or discontinue the offer at any time.

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