Here at Insuranceline and TAL our commitment to delivering a market-leading customer experience sees us put our customers at the centre of everything we do. This philosophy is most evident at those times when you need us most—when you need to make a claim.
We will work with you:
We understand the important role that health and workforce participation plays in your life and our claims team will focus on assisting you return to work and health as soon as possible. We will treat you (and any dependants) with the dignity and empathy that you deserve.
We are committed to helping Australia sleep better at night by providing protection that can be relied upon in your time of need. This means that we will pay all claims covered by our policy terms and conditions. We make no apology for not paying claims that fall outside the policy terms and conditions, as this safeguards the interests of all of our customers by helping to keep the protection and peace of mind that insurance provides affordable to all.
In some cases, TAL works with business partners to provide life insurance products and services (for example financial advisers or superannuation funds). We work closely with our business partners to ensure a seamless and efficient claims experience for you.
We aim to make the right decision every time on the claims we receive. There are occasions when you may disagree with us and we have a robust appeal and complaints process in place to allow for a review of our claims decisions. Whilst we respect your choice to be legally represented, it will have no material impact on the decisions we make, as we will always try to be fair and do the right thing.
Finally, we believe that it is our people who make the difference at claim time and we actively promote the training and development of our claims teams to ensure that we have the best people, with market-leading tools, delivering our promises in managing your claim.
2023 © Insuranceline
^Offer available to Insuranceline customers who complete an application for an Insuranceline branded and distributed Life Insurance, Income Protection or Funeral Insurance policy between 1 October 2023 and 31 March 2024 (inclusive) and are issued with a policy with a commencement date prior to 00.01AM (AEST) 1st of May 2024. To be eligible policy holders must hold the policy for 4 consecutive months and pay 4 months’ premiums in full. One Gift per customer. View full terms and conditions.
**Bonus 10% more cover is calculated on the fifth anniversary from the Policy Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and conditions apply. Refer to the PDS for more information.
#Claims paid figures relate to all Insuranceline life insurance policies in the 2021 financial reporting year (1 April2021 to 31 March 2022). All claims on Insuranceline policies are assessed against the relevant policy terms and conditions. These terms and conditions, as well an explanation of the claims process, can be found in the applicable Product Disclosure Statement. Claims are administered and settled by the insurer, TAL Life Limited.
***Insuranceline is the longest standing provider of Funeral Insurance in Australia, based on: Strategic Insight, Actuaries & Researchers. Funeral Insurance means a policy with periodic premium payments that provides a lump sum to help pay for funeral and associated expenses when you die and excludes pre-paid Funeral Plans and Funeral Bonds.
The information provided on this website is general advice only which means it does not take into account your individual needs, objectives or financial situation. For this reason, you should consider whether it is appropriate for you, and before you decide to buy or to continue to hold an insurance product, you must read the relevant Combined Product Disclosure Statement (PDS) and the Financial Services Guide (FSG). The PDS/FSG contains important information which will help you understand the product, including what's covered and what's not covered and to decide whether it is appropriate for you. The Target Market Determination (TMD) for the relevant product, where applicable, is also available.
If you are considering cancelling a policy you already hold in order to replace it with a new policy, make sure you read the terms and conditions of both policies before you make a decision. The cover terms may be different, you may lose benefits accrued under your existing policy, and waiting periods may apply to the new policy. Changes in your personal circumstances (such as your age, health, and employment) that have occurred since your existing policy was originally taken out may also affect your new policy. As your application for a new policy may not be accepted, and some policies may be unable to be reinstated after they have been cancelled, you should consider waiting until your new policy is confirmed before you cancel any existing cover.
Promoted by Insuranceline, a trading name of TAL Direct Pty Limited (of Level 16, 363 George Street, Sydney NSW 2000) ABN 39 084 666 017 AFSL 243260. TAL Life Limited ABN 70 050 109 450 AFSL 237848 issues the life insurance benefits. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover.