Accelerated Protection Total and Permanent Disability (TPD) Insurance

A flexible approach to TPD, that adapts as your client's needs change

TAL Adviser Centre

Register as an Adviser with TAL. Raise new quotes, search for clients, access product information and more.

Login to TAC

Key Features

  • Three definitions with limits up to $3 million
  • Flexible structuring options: stand alone, attached, linked or superlinked
  • Cover increases of up to $200,000 without underwriting when a major life event occurs
  • Financial planning benefit up to $5,000
  • Eligible for Health Sense discount

At the heart of our TPD insurance is giving you and your clients control over their cover so it best suits their circumstances and the potential impact of disability. We've built in a range of definitions – Own, Any or Activities of Daily Living – that you can tailor to their needs.

And there's flexibility in how TAL's TPD cover works with your clients as their lives change, including a Guaranteed Future Insurability Benefit for cover increases up to $200,000 without underwriting.

The Health Sense discount is available too, rewarding your clients for a healthy BMI with savings of up to 15%.



This page contains a summary of some of the features of the product (some of which may not be available depending on the cover selected and individual circumstances) and is not a substitute for reading the Product Disclosure Statement and Policy Document, which contains information about the terms, conditions, limits and exclusions that apply.


Flexibility, innovation, great value

How our award-winning Accelerated Protection works for you and your clients

Designed for flexibility

Mix and match a range of products and features to best suit the needs of every client.

Simple rewards for healthy clients

Clever features like our popular TAL Health Sense discount.

PDS Download For a summary of the Accelerated Protection TPD insurance product, download a client fact sheet.

Find out more

Together, we're encouraging healthy lifestyles

Introducing our TAL Health Sense Discount. Rewarding your customers with up to 15% discount on their Life, TPD or Critical Illness policy.

Find out more

Do you have a technical question?  Ask a TAL Representative

Australia's leading life insurer
TAL is one of Australia’s leading life insurers
TAL Customers
Over 5 million customers in


Commitment to Claims
$4.2 billion in claims paid in 2023/24 FY*

*Claims statistics based on total claims paid under TAL Life Limited and TAL Life Insurance Services Limited (including funeral insurance) between 1 April 2023 and 31 March 2024.

Recognition for our excellence in product and service support

  • Self Managed Super Fund 2018
  • trauma award winner 2017
  • Direct life award logo
  • Overall Platinum Award Winner 2017
Back to top