Life Insurance
Total & Permanent Disability (TPD) Insurance
TPD insurance can provide protection for you if you are permanently disabled as a result of an illness or injury.
What is TPD Insurance?
Should you have an illness or injury that leaves you permanently disabled, Total and Permanent Disability (TPD) Insurance may provide you with a lump sum payment that can help cover the cost of medical and rehab treatments, debt repayments or other costs of living, so you can go on making the most of your life.
Our life insurance partner TAL
TAL is our life insurance partner, one of Australia’s largest life insurers. With more than 150 years’ of experience, TAL is trusted by millions of Aussies and their families.
Key features and benefits
Total and permanent disability benefit
Get a quote online for cover up to $1.5 million, or for cover up to a maximum benefit of $3 million, call TAL on 1300 345 623.
Advanced payment benefit
Receive an advanced payment of 25% of the benefit amount ($500,000 maximum), if you suffer permanent loss of use of a single limb or eyesight in one eye. Not available when structured through superannuation.
Child’s Critical Illness benefit
Child’s Critical Illness benefit is included, which covers kids between 2 and 19 (at their next birthday) up to $10,000 if they suffer a specified critical illness event. Additional cover is available on application.
Guaranteed future insurability benefit
You can apply to increase your cover by up to $200,000 without providing additional health information, when a significant life event occurs, such as marriage, childbirth, home-buying.
Terms and conditions apply.
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.
Why TAL TPD Insurance
Flexible cover options
You can choose from a range of features and benefits to suit your needs.
More than 150 years’ experience
A trusted provider of Life, Total and Permanent Disability, Critical Illness and Income Protection insurance for over 150 years.
24/7 grief counselling
Access for you and your family to a dedicated support service.
$3.5 billion in claims paid*
Helping more Australians with the moments that matter.
TAL rewards you for healthy living
Get a discount of up to 15% on your life insurance premiums^
TAL rewards you with lower premiums for looking after your health. Get upfront ongoing discounts of up to 15% on Life,Critical Illness and TPD insurance premiums, with TAL's Health Sense program.
Eligibility criteria and T&Cs apply. Discount calculated and applied by TAL.To find out more, visit the TAL website.
Getting started is simple
1. Explore cover options
Click the link below to explore TAL’s Accelerated Protection range of products.
2. Get a quote in minutes
You can get your indicative, no-obligation quote by entering your personal details, such as: date of birth, gender, occupation, income, smoking status and contact details and hit submit.
The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
3. Apply and secure your cover
Depending on the information provided in the quote form, you'll be able to either proceed online or continue the application via a callback from a TAL consultant.
Frequently asked questions
What is TPD?
If you have an illness or injury that leaves you permanently disabled and unable to work, Total & Permanent Disability (TPD) Insurance provides you with a lump sum payment that can help fund the cost of medical and rehabilitation treatment costs, debt repayments and other costs of living.
How much does TPD cost?
The cost of TPD Insurance may depend on your age, occupation, health, the amount of cover, the type of TPD benefit you hold (not limited to these factors). Premiums can be paid either annually or monthly. Call TAL on 1300 345 623to make a TPD Insurance enquiry.
Do I need TPD Insurance?
Whether you need TPD insurance will depend on your personal circ*mstances. TPD insurance could provide valuable protection if you were to become totally & permanently disabled and unable to work due to illness or injury, if you have financial responsibilities, such as a mortgage, outstanding debts or your families living expense. If you’re unsure about whether TPD insurance is right for you, please speak to a financial adviser.
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.
How is TPD paid?
TPD insurance provides you with a lump sum payment if you meet the terms of the policy.
You can choose your amount of cover, up to $1.5 million online. For cover up to $3 million call TAL on 1300 345 623.
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.
What is the waiting period?
TPD insurance policies often usually have a waiting period. This is the period you must be totally and permanently disabled before becoming eligible to make a claim. Read the TAL PDS on the TAL website.
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.
How do I make a TPD claim and how are the payouts paid?
When making a claim, TAL will endeavour to make the claims process as easy as possible for you. Just call TAL on1800 101 016 and they can explain the claim requirements.
Note: TAL will generally begin evaluating your TPD insurance claim after you've been unable to work for three consecutive months. There are situations, like blindness or limb loss, where you might qualify for an immediate assessment.
What if I have more questions?
For further information, please go to:
- Life Insurance FAQs
- Common life insurance terms
- TAL website
What other insurance can I include in my Life Insurance plan?
TALAccelerated Protection has a range of insurances you can include to build cover that’s just right for you.
Life Insurance
Pays a lump sum in the event of your passing or terminal illness which may support your family if you pass away.
Find out more Find out more
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.
Find out more Find out more
Income Protection Insurance
Provides you with recurring income to help you focus on recovery if you're unable to work due to sickness or injury.
Find out more Find out more
Life insurance help & guides
Popular guides to help
- Common life insurance terms
- Life insurance FAQs
- Things to be aware of about Life Insurance
More life insurance guides More life insurance guides
Understanding life insurance
- Stay financially fit: How income protection may help
- Comparing and reviewing life insurance cover
- Insure your peace of mind: The importance of life insurance
- Preparing for the unexpected: The importance of trauma insurance
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Get started online
Choose your cover and get a quote on TAL's website.
Talk with TAL
1300 345 623
CallMon–Fri, 9am–5.30pm
(AEST)
Make a claim with TAL
1800 101 016
Claims for TAL policies issued from 1 August 2022
CallMon–Fri, 8.30am–5.30pm
(AEST)
Important information
*In 2022/23 TAL paid $3.5 billion in claims.
^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.
For customers with loadings, the Health Sense discounts apply to premiums including loadings (except loadings applied on a per-mille basis) and apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only. Where a per-mille loading has been applied, the discount will not apply on additional premium resulting from the per-mille loading (an example of a per mille loading is $5.00 extra premium per $1,000 sum insured). Health Sense discounts only apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only.
Any financial product advice provided on this website is of a general nature only and does not take into account your personal circ*mstances. St.George refers customers to TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), the issuer of life insurance policies. TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). If you purchase a life insurance policy as a result of a referral from us, St.George will receive a commission of 10% of your premiums (exclusive of GST) for the period you continue to hold a policy.
Before purchasing life insurance, you should read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide if life insurance is appropriate to your objectives, circ*mstances and needs. You can obtain the PDS and TMD fromTAL’s websiteor by calling TAL on 1300 345 623.
By accessing TAL’s website, you will enter a third-party site not owned by St.George. Any personal information you provide to TAL's website will be collected, used, and disclosed in accordance with TAL's Privacy Statement and Privacy Policy, also available on their website.
If you would like help deciding whether life insurance is right for you, we recommend speaking to a financial adviser.
St.George's Privacy Statementis available atstgeorge.com.au/privacy/privacy-statementor by calling 13 33 30. It covers:
- How you can access the personal informationSt.George 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 bySt.George and howSt.George will deal with your complaint; and
- HowSt.George collect, hold, use and disclose your personal information in more detail.
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