39 year old male who does not smoke or drink.
Declined insurance insurance based on being type 2 diabetic despite being fit and healthy.
Appalling service. But this conglomerate does not care about reviews, or customer service, or people. Just look at the reviews and employees reviews.
Do not trust TAL. Deceptive
Read the fine print as the insurance is geared towards them and impossible to access despite me becoming blind. Get yourself a good lawyer as you'll need them. It's not worth the paper it's written on.
Be very careful they increased my premium by 17.27%
Premium quoted 4 weeks ago = $1778.48
Premium charded today = $2085.25 increaded 17.27%
Explanation - CPI + Price increase.
Be very careful of TAL. Charged me at 9 am I am cancelling the same day and they are disputing a full refund.
Dirty deeds done dirt cheap by TAL If l could give less than one star l would.
TAL is the worst experience I've ever had with any financial institution they are dishonest and deceitful dealers who have almost wrecked my life.
This is the second claim I've had to make against them the 1st was 2018 with the AFCA which ended in my favor and this one will too.
Don't be afraid of insurance companies like TAL if you are in the right fight them don't be defeated.
Have income protection through rest superannuation which uses tal as their insurance. I applied for my income protection weeks ago and heard nothing from them, even sent 4 emails with no replies? I had to call them to find out about what was happening.
I was approved for my income protection claim and was told by phone and have an email stating that I was approved for a lump sum advance payment of 5 months, then to be told today they can't do anything?
I will be going to my lawyer about this matter and showing them the approval via email and t...
Discrimination, liars, no customer service skills what do ever.
I wasn’t even aware I was insured through tal, it wasn’t until I went to a solicitor to check my claim that I found out. Forget tal & Bendigo bank, liars
So far not so good for me, these reviews have got me worried
Edited: These reviews have got me worried, after a stage 4 incurable lung cancer diagnosis at the age of 56, major surgery, time in intensive care, radiation therapy then chemotherapy that crippled me and ended my working career, the last thing I expected was to be mucked around by my insurance company, my case manager was fantastic but then my case went to upper management for approval and thats where it got stuck, i got my money eventually over 3 weeks later, fortunately im financially secure, but i feel sorry for-those that aren't and need...the money quickly. I did have 2 policies, one of which expired at 60, this current one with TAL covers me till 65, the first company Onepath were fantastic, as soon as i sent them one page of my oncologists diagnosis reports boom they put the next 3 months payments in my account within an hour, same day ! Thats the way it should be. Ive scaled my review up one star and will re evaluate this review later depending on how the rest of my claim goes.
I requested life insurance in my SMSF - After trying a few Insurers who wouldn't do it in SMSF I contacted TAL who did - great!
Completed application and insurance commenced.
Found out later that policy owner was not SMSF (as requested) but me personally - tax implications.
Requested the name be changed - it's now 6 weeks later and still not done.
They requested docs which I provided
Then after waiting a week - they requested a change of ownership form be completed - which I did
Follow up status 10 days later - get a reply - please complete a change of ownership ... ???
Replied with - I did that - I am chasing up status...
Waited 2 days - no reply, so thought - I'll send it again - send change of ownership again....
Been with tower for over 10 years just to be let down
Iv been with tower life insurance for well over 10 years never had any problems until I tried to update my insurance policy just wanted to bump it up I was asked all the normal questions answered truthfully when asked about chest pains which I said over 12 months ago I had pains in chest daughter called ambulance just to be safe X-rays done given clean bill of health but was told because of that policy wouldn’t be updated and my policy is out dated when back then you were only covered till 70 years old now it till 99 so being refused to boost m...y policy I said but your going to update it to the age of 99 like you do in new policy they said no so I’ll keep pay fees for another 20 years and then they’ll terminate my policy with no refund how fair is that
had to cancel 3 times and still don't know if they will stop taking my money
We cancelled our life insurance 3 months ago following advice from a financial advisor. They cancelled my husband's but not mine. We then rang again and they said they would cancel and we even got an email asking for feedback as to why we cancelled and also that we would get back our last payment which they took after cancellation. A few weeks on and no sign of the refund and today I got an email re the anniversary notice, which tells me they still haven't cancelled. Had to ring yet again - was told it is in the process of cancellation but they can't give me a time frame - maybe by mid next week! It is inefficient and painful dealing with this company - definitely don't recommend.
After years of underwriting the life/tpd and income protection insurance and many thousands of my dollars spent on those policies (never claimed either) this mob have opted to increase their premiums by some 250%. Yes, that's correct, 250%. I'd urge anyone considering them to look elsewhere, I certainly have.
You can't win against them even the government department complaints tribunals favour them
Have been fighting them through the so called avenues that the government gives us for appeals.
Total waste of time energy . You appeal to Ombudsmen and wait the 3 months waiting time and get put on a list. Wait months to be reviewed then when it's your turn they suddenly tell you you have to have your appeal done by the SCT. Then drop your appeal and wash there hands of you. There pitiful excuses don't really apply to your case but to bad you have spent months waiting , hours of paperwork preparation and stress.
Now you apply to The SCT (Super...
Waist of money
Took 6 months and then they only paid me for a month & I was off work for 7 months waist of money what a drama to get that. Never again
Insurance was cancelled with no Authority!!!
INSURANCE Was Cancelled with no Authority....... I have been with TWU super for over 15 years. And TAL is there insurance. My insurance was cancelled and I noticed it within 2 months that it was cancelled. I was promised it will be reinstated in 2017. I was advised not to get new insurance as it is Within the two months period and again it will be reinstated. It has now been 3.5 years. I have been calling since 2017 2018 2019 and 2020 with just lies and lies. Just going in circles. I have been waiting for 3 and a half years and just laughed at....July 2020 now the trusties office is onto it and I am waiting for outcome. I Will give it 0 stars my previous review was deleted and the page was gone. Half of the call centre all more knows me by calling everyday. 0 stars Note I am posting on TAL insurance because I have been suffering for 3 years and 7 months with just lies and just going in circles. Twu super blames insurance company. Insurance blames trusties office they don’t no how it was cancelled and they have no record of how it was raises in 2017. Sorry for posting this on TAL insurance but people need to no and not end up like me nearly 4 years of lies.I have not listened and just got new insurance when it was 45 days of cancellation in back of 2017 and not lies to that it will be reinstated 3 years and 7 months on.
The most appalling service. Have lost touch completely with customer care and continuity. I agree the system is broken. You can't get your own money out of them. Almost impossible.
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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