Income Protection Insurance
Income protection provides you with a recurring income to help you focus on recovery. Choose your cover and get a quote on TAL’s website.
What is income protection?
Everyone has a different reason for taking out income protection. Income protection can cover up to 70% of your monthly income for a defined period of time if you suffer a loss of income due to sickness or injury, which may help you focus on getting back on your feet.
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 Finder's Best Income Protection Insurance (2023-2025), Money magazine's Life Insurer of the Year — Direct (2025) and Money magazine's Best Value Direct Income Protection Insurance — White-Collar Professional (2025).
What is Income Protection?
Why TAL Income Protection 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.
Key features and benefits
Maximmum benefit payout
Waiting period
Benefit period
Premiums could be tax deductible
Since your premiums are directly related to your work, they could be tax deductible. Check with your accountant or the ATO to ensure you're eligible.
All of the above features may have restrictions or conditions. You should read the PDS on TAL's website to understand how it may apply to you.
To find out more, visit 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.
Getting a quote is simple
1. Explore cover options
Get started with an online life insurance quote with our partner TAL. To find out more, visit 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
Enter your personal details: age, date of birth, gender, occupation, income and smoking status. Then, submit your request to the insurer.
3. Apply and secure your cover
Depending on the information provided in the quote, you'll either continue the application via a call back from a TAL consultant or proceed online.
Frequently asked questions
Income Protection can cover up to 70% of your monthly income for a defined period of time if you suffer a loss of income due to sickness or injury. To find out more, watch our Income Protection video.
The cost of income protection insurance varies based on factors including, but not limited to your age, occupation, health, the coverage amount, and the specific policy terms.
With TAL Income Protection, you can generally choose a waiting period that suits your needs. Waiting periods can range from 4 weeks, 8 weeks or 13 weeks.
To find out more, visit 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.
With TAL Income Protection, you can generally choose a benefit period that suits your needs. Benefit periods can range from 1, 2 or 5 years or even ‘to age 65’ depending on the product you have applied for. Review your policy documents to understand the benefit period that applies to you.
To find out more, visit 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.
Income protection premiums may be tax deductible. However, it is essential to consult with a tax adviser or the Australian Taxation Office (ATO) for specific tax-related guidance.
Life insurance provides a lump sum payout in the event of your passing or a terminal illness diagnosis. Income Protection insurance provides monthly payments if your unable to work due to sickness or injury.
What other insurance can I include in my Life Insurance plan?
TAL Accelerated Protection has a range of insurances you can include to build cover that’s just right for you.
Life insurance help and guides
Things you should know
*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.
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.