Stay away from TAL
They add indexation to your bill every year and when you ask them to remove it, it take forever. They are quick at getting your money but when you contact them, nothing is done. Their employees on phone are nice but the system is broken itself. They only can take notes and you will have to wait for someone else to do something. Then nothing is done at all.
BEWARE: you need to know this for your family
Get an enduring power of attorney so your damily can be looked after if you cant communicate (eg in a coma)or for any reason.
Every worker in Australia has “group cover” life insurance under their superannuation (this has recently been changed for low balance super accounts).
TAL is one of the biggest providers of this cover.
This cover has been reported as being “junk insurance” in the financial press.
I have life insurance through First Stat...
Didn't deliver when I needed them...
Went to make an insurance claim and was told that, although all premiums were up to date, that because my super hadn't had any contributions the policy was on hold.
Funny, the time you need these insurance companies is the time they're nowhere to found.
Happy to take premiums, not happy to support their customer.
Insurance through super is another fraud we accept as normal! don't waste your super balance on them.
TPD and Death insurance in your super with TAL.
Don't have this company TAL as your insurer with your Super.
Most large Super company's use them under what's call GROUP INSURANCE.
Do be fooled by your super provider it's not compulsory if you don't want.
I was told 10 years ago it was by CBUS and I had to have it.
They took approx $70 a month which ran into thousands of dollars and give you nothing back but grief when you try to claim for TPD.
I put a claim in late 2016 for TPD which they refused even though I met all there parameters . It didn't. matter how much medical evidence I provided...
Toxic culture of discrimination and avoidance
TAL Insurance sells insurance products but not to everyone. The moment they discovered my relative had Parkinson's disease they did not hesitate to discriminate against him and decline to cover him. You can consider yourself lucky if these people will insure you or even pay a claim as they are so discriminating.
They are refusing to cancel the policy and this is turning into harassment by this company
Do NOT use this company....
The product was sold to me by the Bank YBR who have been harassing me since. I have tried to cancel this with TAL and they have refused. Do not waste your time with this company!
Invasive and useless
My financial advisor recommended I get life insurance and gave me the TAL application. I had misgivings but I filled it out.
To begin with, they had my DOB wrong which meant I was locked from viewing the first document they sent me (the password was the incorrect DOB). Then they ignored my emails attempting to resolve the issue. Then they make you schedule an interview in which they ask nonsensical and irrelevant questions (ie "Have you ever had a UTI?" WTH does a UTI in a lifetime have to do with life insurance?!). Then they reject you outri...ght. Normal people with normal health get rejected outright. The entire process is disgusting and, now that I read these reviews, I can see being rejected by this unethical company was a blessing in disguise. Don't touch this snake den with a ten foot pole. They are complete crap.
6th December 2019
I am with first state super and unfortunately due to health issues have had to access my FSS income protection scheme. Unfortunately they are affiliated with TAL insurance. I have been grossly mislead by FSS Employees 're the waiting period and processes involved with accessing my income protection. TAL insurance are extremely difficult to deal with and do not answer legitimate questions. I am extremely unhappy with First State Super but do not blame the employees as obviously they have not been appropriately informed of actual wait periods bac...k pay and finding out periods if you meet TAL INSURANCE claim processes. You should all be in politics as not once have any of you actually clarified a question I have asked. Still waiting 're my claim and a long convulated processes of being informed whether it's accepted or NOT. Totally dissatisfied with the whole process when your already vulnerable and unwell. I would not recommend any super fund deal with TAL insurance. Certainly a misleading organization 're benefits 90 day wait period and processes involved with accessing my income protection. My next step is seeking legal advice about they have advertised their wait periods and back pay policies. Not once have I received from FSS or TAL INSURANCE a copy of their policy to accessing my income protection scheme. On the contrary multiple conversations with FSS contradicts what I am now going through. Social media certainly need to be educated on gross negligence for what you are informed about to what actually occurs.
- Verified customer
I paid income protection for 8 months with who I thought was NRMA it turns out it was this TAL mob. No money while I was in hospital came to me at this tough time they put me through 6 months of hell with AFCA ( werent very helpful) and didnt pay me on the grounds that my blood pressure was up at 140 a few time years ago and I didnt disclose that, my doctor said it was within normal levels ? Can you get a lawyer NO will cost too much to try to get $8,000 do not much you can do. I really needed some income while I was off and thought paying top ...level income protection insurance would help me, it sucked me in. So I'll get it out there dont insure with NRMA TAL they need to supply a list of what they look into when processing your claim and it has to be written in big simple language, anybody interested in a class action?
This is not income protection this is Matthew Guildea, beware
I hope this name will not come up in the future if anyone does their homework over the name supported by TAL and other finance/super companies. Past behaviour reflects future behaviour in my opinion (not futures for you). Good luck with anyone who choose dealings with Matthew Guildea, please be diligent over his many companies in history over several decades. Google it!! You have been informed, my personal opinion.
No stars wasn't possible
Rude and totally unhelpful over the phone. Never received details of my coverage as requested numerous timed. Never advised when they would start the policy from just found I was short money in my bank account. Wanted the policy cancelled immediately as they weren't worth receiving my money and so I could get some money back like all other insurance. But the future dated to the supposed day the policy started so they could collect the full months premium!
No tax statement received either.
Hate to see what they were like making a claim!
Less than one star to be quite honest
Extortionate premium increases experienced by myself and my wife. We cancelled our policy and jumped ship to another IP insurance provider and halved our premiums overnight. Oh and don't expect to get end of tax year statements from them - plan that one well in advance as it is beyond their operators.
Extremely rude from staff to the manager Sharon in Sydney
Called them just now to get a policy schedule and they were utterly rude and no help what so ever told me to send them an email then I spoke to the Manager in Sydney Sharon who was just as rude. They palm you off and don't want to help you and just tell you to ring someone else.
Very disappointed when transfer super insurance, long process and failed to get reply
Policy was expensive, under writers are inconsistent despite same TAL to another super. Refused to match coverage despite no claims when transferring to a other super. Biased over age 30 and above with strict assessment. Been with them for 8 years over, when transfer to another fund refused. Claim once on IP 7 years ago DUE TO WORK BULLY and WAS refused TPD UNLESS undergo strict reassessment, lower units allowance and same high fees. Complete nightmare treatment from TAL.
TAL Opens a policy without my knowledge
1. I shut down my income protection policy with TAL over 12 months ago.
2. TAL, unbeknown to me, retained my credit card details.
3. This year, without my knowledge or permission, they opened another policy under my name and charged my card.
4. They now refuse to refund the entire amount. Essentially, I’ve had to engage the regulators in attempting to get the money that they stole from my account.
- Verified customer
Worst insurance company i have ever encountered
I've worked in finance and with insurers for 14 years. Worked 2 jobs since i was 13, until i was struck down with severe depression, anxiety and depression.
Been going through my income protection claim with TAL for 10 months now, strung along, harassed, asked for documents i could not legally supply to them, then declined for it. My medical condition has deteriorated rapidly as a result of their actions. During this time lost half my home in a freak fire, $300,000. Only insured for half. TAL knew, had everything to finalise my claim, manag...ers told me repeatedly they were finalizing it everyday for months but never did. The horrendous treatment they have subjected me to has meant i now have to undergo further medical treatment, and other treatment for the rest of my life as a result. This is all medical treatment i desperately need but cannot afford due to TAL's actions. I will also have to sell my home very shortly because of TAL and the extensive time they have taken. This is also the home i have been unable to leave for 3 years, and still currently can't. Because of what TAL have done, i don't know if i ever will be able to now or what will happen as i cannot afford the medical treatment i require to get better because of TAL. I am currently pursuing this with AFCA to hopefully see the right thing done.
Questions & Answers
Is TAL the insurer for First State Super (as claimed by FSS) or are they just contracted to make recommendations to FSS’s Board of Trustees for life insurance claims, including terminal illness and total permanent disability (as claimed by TAL)??? Just want to know the legal/contractual relationship between TAL, FSS and myself.
i am on income protection for a lower back injury i have had an operation to fuse my back i will not be able to go back to my pre injury work which is heavy construction that i took the policy out for.what happens next?
If you are insured with tal, get ready to be screwed over! Do not trust them for a second! They will turn anything you say around on you to avoid your claim regardless of how valid your claim is! Like me, your only option may be the financial ombudsman service which may be just as hopeless . Good luck!
hi garry again thanks tony do you think seeking legal advice against onepath is a better option as i now have letters from my surgeon and doctor stating i will no longer be able to work as i have bladder problems and numbness from left hip down to ankle which is causing me to limp and cause severe pain
Gazza Tony ,I have been fighting for 14yrs and I expect will die fighting TAL, they are thieves and liars , they have cost me ,my business ,my staff there jobs, my house ,car ,girlfriend,and all my assets to fight them ,a very difficult and soul destroying thing having brain injury and spinal injuries and having to deal with ignorant ,arrogant TAL staff. So I don't like your chances
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