Aaron Newman

To make it easier and faster for advisers to manage their existing client policies, life insurer TAL has launched Inforce Management – a new digital tool within the TAL Adviser Centre (TAC).

Developed with advisers and their teams, the new feature brings together all inforce policy information into a single intuitive dashboard. For advisers, this means secure, faster and insights-rich management of their inforce policies, giving them time back to focus on their clients.

Early adopters of Inforce Management are already saving up to 30 minutes a day on common inforce tasks such as managing overdue policies and identifying policies at risk of lapsing.

Aaron Newman, TAL General Manager – Individual Life Product, Individual Life, said: “We know advisers want to spend more time with clients, and less time chasing paperwork.”

“Inforce Management was co-created with advisers and their teams. Their insight helped identify the friction points, allowing us to deliver intuitive solutions that support how advice practices operate.”

David Arthur, TAL General Manager, Individual Life Technology & Delivery, said: “We see technology as a powerful enabler of quality advice and strong client relationships. Our role is to build systems that support good outcomes and reduce complexity.”

Smarter insights, faster workflows, secure submissions

Inforce Management makes it easy to view upcoming renewals, lapses and overdue policies at a glance, helping advisers proactively support their clients. It also provides:

• Smarter insights: Quick visibility of client policy activity and service requests.
• Faster workflows: Easy access to common transactions like updating client details and payment information.
• Secure submissions: Introducing a new Secure File Transfer tool enabling advisers to securely share alteration requests, and immediately confirms successful delivery.
• Better outcomes: Everything in one place, so advisers can proactively support clients through key milestones.

Weekly inforce insights with TAL In Focus

To complement the dashboard, TAL has also introduced TAL In Focus, a new weekly reporting email that gives advisers and their support teams a quick snapshot of all upcoming required client actions and activity. This weekly communication will help them to plan ahead and respond quickly to clients who need support.

“Inforce Management builds on our existing digital capability and marks a meaningful step forward in how we support advice practices. We will continue developing these tools alongside advisers, with more enhancements already underway,” added Mr Arthur.

Advisers can access Inforce Management through their existing TAC login or contact their Business Development Manager for support and share feedback.

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Aaron Newman

Life insurer TAL has further expanded access to its popular ‘TAL Health Sense’ Plus discount to encourage more Australians to take preventative health action.

Now, eligible customers renewing their TAL income protection policies issued under a PDS and Policy Document dated on or after 24 September 2021 can earn a 5% premium discount by completing a simple preventative health check every two years.

Earlier this year, TAL added new IP policies to the preventative health discount program.

Ongoing improvements to TAL Health Sense Plus reflect TAL’s focus on providing customers with more value and making life insurance easier to access and engage with. Customers have shown they value these changes. Since BMI requirements were removed in 2024, the number of successful applications for the discount has more than doubled, year on year. 

Since it launched in 2019, TAL Health Sense Plus has helped over 20,000 customers become more informed about their health and made their cover more affordable.

Aaron Newman, General Manager, Individual Life Product at TAL, said: “TAL Health Sense Plus has already helped thousands of Australians take meaningful steps toward understanding their health while accessing more affordable insurance. Extending the benefit to existing policies reinforces our commitment to providing long-term value to our customers.”

“This change gives advisers another way to help clients keep their cover and deepen the trusted role they play in their lives.”

“Whether the customer has purchased the policy through an adviser or directly from TAL, obtaining the discount is easy. A customer simply confirms they’ve completed a routine preventative health check to unlock the discount – no paperwork or results are required.”

TAL Health Sense Plus is part of the life insurer’s ‘Health for Life’ program, which supports Australians to live healthier lives through preventative health awareness and action. In the last financial year, Health for Life delivered targeted health services, including screening tools and mental health support, to over 260,000 Australians.

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Aaron Newman

Leading life insurer TAL has announced the expansion of its TAL Health Sense Plus program to include Income Protection, enabling advisers to offer more clients better value cover through a simple preventative health engagement.

From 8 August 2025, eligible new Income Protection policies submitted via TAL’s adviser platform (TAC) will automatically receive a 5% TAL Health Sense Plus discount for the first two years of the policy. From October 2025, the offer will be extended to eligible existing TAL customers who will be contacted directly.

This enhancement builds on TAL’s broader Health for Life program and reflects its continued investment in delivering personalised, sustainable solutions that support long-term engagement and improved health outcomes.

Aaron Newman, General Manager Individual Life Product at TAL, said: “This is a logical and strategic evolution of TAL Health Sense Plus. By expanding the benefit to Income Protection, we’re reinforcing TAL’s commitment to embedding wellbeing into product design and giving advisers another opportunity to support customer retention and product value.”

“The process is simple – no paperwork or test results are required. All TAL needs is confirmation that a routine health check has taken place. It’s a streamlined way to reward proactive health engagement, with minimal additional workload for advisers and their clients.”

The TAL Health Sense Plus discount supports preventative health by encouraging customers to undergo routine health screening, such as a GP check-up or an appropriate national screening test, which are an effective step toward identifying potential health issues early.

Dr Priya Chagan, General Manager Health Services at TAL, said: “Preventative screening is one of the simplest, most effective ways to detect or even prevent conditions such as cancer, diabetes and heart disease.

“By embedding preventative health into TAL’s insurance offerings, we’re building enduring relationships with our customers, helping them understand the value of their insurance while encouraging them to take proactive steps to protect their health. Our goal is to reduce barriers to preventative care and make it easier for customers to prioritise their health.”

This enhancement is the latest in TAL’s continued investment in TAL Health Sense Plus, part of its broader Health for Life program, which helps Australians live better, longer and healthier lives by encouraging proactive engagement with their health.

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Aaron Newman

Australian life insurer, TAL, has updated its preventative health program, TAL Health Sense Plus, giving customers easier access to a discount for taking simple steps to protect their health.

Under the changes, TAL customers are no longer required to provide BMI details or upload evidence of a preventative test to receive a discount on their premium. Customers do not need to share test results, only let TAL know they had a check.

Launched in 2019, TAL Health Sense Plus offers eligible customers a 5% discount on their lump sum premiums every two years, when they undertake routine health screenings such as a skin check for the early detection of skin cancer.

The discount is available to TAL customers with Accelerated Protection insurance, purchased through their financial adviser or directly from TAL.

Aaron Newman, TAL General Manager Individual Life Product, said, “TAL is dedicated to helping customers protect their physical, mental and financial wellbeing.”

“The changes we’ve made to Health Sense Plus are based on feedback from customers and advisers, and designed to increase discount uptake, enhance loyalty and encourage healthy behaviours.”

“We want more customers to benefit from screening tests, which can detect and prevent many serious conditions, including cancer, diabetes and heart disease. We also hope to help advisers initiate more conversations with clients around the benefits of holistic health and the value of maintaining their insurance cover.”

“TAL Health Sense Plus is one of the ways we are building enduring relationships with our customers, helping them understand the value of their insurance and making it easier to maintain their cover,” said Mr Newman.

Early detection, through preventative screening, can improve Australians’ health outcomes, which is good for customers and good for insurers.

Dr Priya Chagan, TAL General Manager of Health Services said the updates helped encourage people to get common screening tests.

“TAL is focused on helping people live a healthy and full life, by bridging the gap between awareness and action.”

“We’re investing in TAL Health Sense Plus because we know that prevention is better than cure and early action leads to better health outcomes for customers, this makes good health sense and good business sense too.”

“We also know that encouraging and rewarding customers for taking simple steps that can improve their health outcomes can enhance customer satisfaction and loyalty.”

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