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TAL Income Protection Insurance

TAL Income Protection Insurance

1.0 from 41 reviews

See the Best Income Insurance in 2019 as rated by Australians on ProductReview.com.au.


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!

Value for Money
Transparency
Customer Service
Claim MadeNo

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.

Value for Money
Transparency
Customer Service
Claim MadeNo

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.

Value for Money
Transparency
Customer Service
Claim MadeNo

Hits you with substantial premium increases even with Level Premiums

I went with the Level Premiums instead of Stepped Premiums and was told the premiums will not go up much each year. Instead I've been hit with increases of 16%, 16%, and 10% each year.
I also find their customer service to be very poor and their website woefully bad.
I'd not recommend TAL to anyone.

Value for Money
Transparency
Customer Service
Claim MadeNo

Lazy customer service

I have asked 3 times to cancel my policy with tal insurance with no reply i have been waiting nearly two weeks to get them to cancel my policy.
Bad service

Claim MadeNo

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.

Value for Money
Transparency
Customer Service
Claim MadeYes
Claim Resolution Time3+ months
Claim DateFebruary 2014
Claim ApprovedYes

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.

Value for Money
Customer Service
Claim MadeYes
Claim DateMarch 2019
Claim ApprovedNo

Very disappointed

I applied for my wife to have life insurance through her super it was rejected because she had a hysterectomy. I will now cancel my policy with TAL and take my and my wife's business elsewhere

Value for Money
Customer Service
Claim MadeNo

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, managers 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.

I cannot stress enough, this company is the worst insurance company i have encountered in my life and i have worked in this field for 14 years.

If you need further proof, have a look at the news recently regarding TAL and their appauling treatment towards their customers, as well as declining valid claims and dragging them out for no reason.

Insurance claim madeYes

Abysmal company. Do NOT use them. Do NOT trust them.

I wanted to give TAL a lower rating than 1, however, there is no option to give them zero or a minus figure.

I won't go into their atrocious customer service as I truly couldn't be bothered, but I just want to warn anyone who seeking to get Life Insurance cover to NOT go with TAL. They are a disgrace.

Insurance claim madeNo

TAL investigators lack intelligent investigative techniques,

I have had experience with TAL on an Income Protection claim. What a company of two characters. The account manager assigned to my case provided good service under difficult conditions. But the investigations into if I was working at the time of my incident - sub zero. Ringing my doctors to ask if I told them that I was working at the time of the incident. Do they have a clue that when you are taken to hospital unconscious, near in a coma to a tertiary hospital with an emergency department struggling to treat serious illness, that it is not on the doctors mind to wake you and say "were you working when you passed out?" it defies belief that an investigator could be so ignorant to the facts of serious illness. So, from that investigation they informed my employer that I was not working at the time. In turn that meant my employer did not report the incident to Workcover. A breach of the law So who is covering whose tail. Meanwhile I have 2 stat decs from people I was working on a job with that can confirm I was working. Tell me who is lying - I put it in this order TAL, employer. Grubby, scamming dishonest relationship between these two. While I have said the account manager did a good job, she was basically working hand in Glove with my employer, with me as the third party. A real conflict of interest between insurance company and customer (my employer). ie we will keep you out of the workers compensation court if you just do this. It is a very slimy relationship. Strange , since my employer at the time was always spouting a key mantra the ritch policy. Respect, Integrity, Trust, Integrity, Honesty Hmm. These relationships must be made illegal as they are open to abuse and corruption OK I got my 75% salary as agreed but illegally, by keeping Work cover out of the picture, They never paid me directly, but paid my employer, who paid me through the payroll system. I had the opportunity to spend $10ks on medical expenses, and taxpayer Medicare paid out hundreds of thousands that should have been paid by workcover. TAL is a company who can't separate business from bad ethics, have pitiful "real world" investigators. I mean, if I had to verify that many of you worked yesterday, what could I do? Could I call your employer, then department manager, the people you were working with. The KISS principle.But not simple enough for TAL investigators. But if your are trying to protect a dishonest but lucrative employer(customer) from Work cover. Don't trust TAL, never , you are risking your all , look at your insurance policies, ditch any that have TAL in the background, and there are many to avoid. Google it, TAL is insidious in the insurance industry. Although paid out, they sabotaged my life in the process by incredibly dumb investigation. I have a A-Z brain process, and TAL's is a "stop at all stations" mentality to make this difficult for the insured.

Insurance claim madeYes

Tpd payout for mental illness

I had TAL insurance under the trustee LG super. I had a tpd claim for mental illness that TAL dragged out for 4 years. They then declined the claim despite their own IME stating i had a permanent disability. Numerous medical reports long history. So they organised a mediation and settled at a way lesser amount than my original insured amount. So 4 years of runarounds, I have numerous emails from both insurer and trustee. I signed the settlement deed under duress as my lawyer was a no win no fee and was not willing to go further - Anyway i would avoid TAL like the plague they take advantage of mental illness and wear you down and drag your claim out for years and years. At the time of my mediation i was medicated to the eyeballs and very distressed. Look them up, one of their own former executives has said they need investigation. Avoid them they dont even listen to their own independent medical examiners. I think a class action should be started these people are a disgrace.

Insurance claim madeYes
1 comment
Just updating i recently contacted tal to lodge a complaint and a person in senior management stated i need legal representation to lodge a complaint. This comoany is a disgrace when it comes to claims and now they are stopping me from following my legal right to and internal complaints reveiw. Flat out CROOKS

Stay away, they keep sneaking fraudulent direct debits

Really terrible service. Set up through a planner. On at least two occasions (that I’ve discovered) they have “accidentally” double billed our policies and it takes weeks to sort it out. Can never get anyone helpful on the phone and complaint emails go unanswered.

Just got slugged for $1200 direct debit that had actually already been billed in February. No apology and they tried very hard to make it not their problem. Have blocked direct debits now and looking around for a new service.

Insurance claim madeNo

TAL over taxing Income Protection payments

BEWARE, TAL have been busted by the ATO for over-taxing Income Protection Insurance customers and issuing incorrect payment summaries that resulted in over 100% extra tax deducted from payments,Received TAL INSURANCE apology letter and it ended ups TAL overtaxed me by $10,000.00. Nice refund d from the ATO but sure could have done with that money when I was suffering financially and my health was deteriorating.... Thanks TAL...not a very Australian way of life :-(

Insurance claim madeYes

Untrustworthy, Unethical and Thieves!

I cancelled my policy with TAL on 9th of May but on 21st of May again money debited from my account. During this time i have contacted TAL multiple times and spoken to different people and been assured no money would be debited from account since i cancelled this policy. My patience is wearing thin with this insurance company and i don't know what to do and how to get my money back.

Insurance claim madeYes

Thieves!

Declined claim for income protection due to a 5 day technicalities as my earliest surgery date put me out side the 1 year claim period. Even tho it is out of my control.
DO NOT USE TAL.

Insurance claim madeYes

TAL are thieves - Do NOT use this company

I had a life insurance policy for one year with TAL that went up by 50% when I received my renewal notice. They were extremely rude to me on the phone when I asked why such a high increase and were not wanting to change the new rate, then they made me jump through many hoops to cancel my policy. I still don't know if they have canceled it. I will be going to my bank to tell them to not let TAL take any more money out of my account. Please avoid this company. They are extremely crooked.

Insurance claim madeNo

TAL are criminals

Warning please do not take out any type of insurance with Tal, my wife and I had TAL Life Insurance, TPD (Total and Permanent Disability), Trauma / Critical illness cover, Income Protection, my wife had a medical crisis she nearly died and now has a permanent disability, they refuse to pay out the claim, the fine print done us in, during my wife's medical crisis we needed this insurance, the advertisements are all lies, we paid for this insurance with TAL /Tower for over twenty years we are financially ruined, these multinational companies don't care about people and communities all about greed and profit. please read the reviews carefully, they are spot on about this evil company, do not waste your hard earned money on TAL Insurance.

Insurance claim madeYes

Unethical liars that unfortunately you come to expect with insurance companies

One IPI policy with another company paid out for a legitimate claim and the same information and medical records were assessed negatively with TAL who claims I had undisclosed medical conditions which in fact in not true. Yi Lin is the consultant that worked on my case, who has very poor customer service and communication skills, they twist the truth and make life a whole lot harder than it should ever be. I curse you to the end of the earth and back for your nasty way of treating people with legitimate claims and serious health issues.

Insurance claim madeYes

Bully boy tactics

First of all TAL have an extraordinarily bad service ethic. They do not like answering correspondence. They do not return phone calls in a timely fashion or, in some cases, at all .I suffered severe recurrent major depression. Without the help of a compassionate Specialist psychiatrist, a dedicated solicitor and a QC, I doubt that I would have continued. I did , and I finally received my TPD entitlement.
I had three insurers.
Needless to say TAL were the worst to deal with by far.
AMP was great. MLC were difficult but eventually settled at Mediation.
TAL were uncooperative, had no concern for me and my family.
If you have insured with them my strong advice is GET AN INSURANCE LAWYER.
I have no hesitation in recommending that they be avoided like the plague.

Insurance claim madeYes

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Questions & Answers

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?
4 answers
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 painGazza 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 (Lost Everything)

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