Life Insurance: Types of cover
Our award-winning life insurance partner is TAL, with 150 years’ experience protecting Australians and their families. Choose your cover and get a quote on TAL’s website.
Peace of mind through our award-winning partner TAL
Westpac has partnered with TAL, one of Australia’s largest life insurers. Trusted by millions of Aussies, TAL has been awarded year after year for helping protect what matters most.
TAL is the winner of Canstar's Outstanding Value Direct Life Insurance (2022-2025), Finder's Best Income Protection Insurance (2023-2025), Finder’s Best Life Insurance (2024-2025) and Money magazine's Best Value Direct Life Insurance (2025).
Why TAL life insurance?
Insurance features & benefits
TAL Accelerated Protection has a range of features and benefits you can choose from.
Built by you, for you
Tailor your cover to suit your individual needs, an insurance plan designed by the person who knows your life best: you.
24/7 grief counselling
24/7 access to dedicated grief support.
$4.7 billion in claims paid in FY 2024/2025*
TAL's claims and health team help with more than just payments: get support from them throughout your recovery.
Am I eligible for TAL Life Insurance?
To be eligible for Accelerated Protection, you need to be between the ages of 19–74 to start a new policy (depending on the type of premium) and be an Australian citizen or permanent resident or a New Zealand resident living permanently in Australia.1
Get started with an online quote
1. Explore cover options
Find out more about Accelerated Protection cover options on the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
2. Get a quote in minutes
Complete a simple quote form with our partner TAL. You'll need to enter your date of birth, gender, smoking status, occupation and income. Then, provide your contact details to calculate your quote.
3. Apply and secure your cover
Depending on the information provided in the quote, you'll either be able to continue to apply online or via a call back from a TAL consultant.
Explore TAL Accelerated Protection life insurance options
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Life Insurance
Pays a lump sum in the event of your passing or terminal illness which may support your family if you’re no longer around.
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Total & Permanent Disability (TPD) Insurance
Pays a lump sum enabling options on care and way of life if you become permanently disabled and can’t work.
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Critical Illness or Trauma Insurance
Pays a lump sum if you become critically ill. The type of Critical Illness Insurance and any applicable options is stated in your Policy Schedule.
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Income Protection Insurance
Provides you with a recurring income to help you focus on recovery if you're unable to work due to sickness or injury.
TAL rewards you for healthy living
Get up to
TAL's Accelerated Protection Life Insurance
Life insurance help and guides
Things you should know
1Subject to TAL Life's Underwriting assessment.
*Claims statistics based on total claims paid under TAL Life Limited and TAL Life Insurance Services Limited insurance products (including funeral insurance) between 1 April 2024 and 31 March 2025.
^A maximum 15% Health Sense discount applies to lump sum premiums for non-smokers meeting the BMI criteria that hold 4 benefit types (Life; Critical Illness; TPD and Income Protection [IP]) and meeting minimum sum insured amounts for all benefit types. Lower discounts will apply for other benefit combinations and smokers. More information is available on request from TAL.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). The PDS and TMD can be obtained from TAL's website or by calling 1300 345 620.
Life Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life). TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) refers customers to TAL, but does not guarantee the insurance.
By selecting 'Explore cover options' you will enter a third-party site hosted by TAL. Any personal information you provide to TAL will be collected, used and disclosed in accordance with TAL's Privacy Statement and Privacy Policy available on their website.
If you purchase Life Insurance with TAL the Bank will receive a commission of 10% of the premiums (exclusive of GST) for the period you continue to hold a policy.
If you would like help deciding whether life insurance is right for you we recommend speaking to a financial adviser.
Westpac's Privacy Statement is available at westpac.com.au/privacy/privacy-statement or by calling 132 032 8am - 8pm Sydney time, 7 days. It covers:
- How you can access the personal information Westpac holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Westpac and how Westpac will deal with your complaint; and
- How Westpac collect, hold, use and disclose your personal information in more detail.