Get covered today with our quick & easy application process

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Amount of insurance required Not Sure?
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Based on the information you have provided, you may be eligible to complete miPlan's online insurance application.

Would you like to answer a few more questions to determine if our online product is appropriate for your needs?

Yes No

  • 01

    What is your height?

    cm
  • 02

    What is your weight?

    kg
  • 03

    Are you a permanent resident of Australia currently living in Australia with no plans to move overseas?

    Yes No
  • 04

    Have you ever had any application for Life, Total and Permanent Disability, Critical Illness or Income Protection insurance refused, modified or offered on non-standard terms (e.g. the insurance premium was loaded or there was an exclusion on your cover) due to your medical history?

    Yes No
  • 05

    Do the duties of your occupation require you to go underground, offshore and/or work at remote locations, handle or transport hazardous materials or weapons, work at heights over 20 metres or are you a member of the Armed Forces?

    Yes No
  • 06

    In the past 12 months have you taken part, or are you planning to take part in the coming 12 months, in any of the following activities: aviation (except as a fare paying passenger on a recognised airline), other aerial activities (such as skydiving, parachuting, hang gliding), motor sports, underwater diving beyond 30m in depth or professional sports?

    Yes No
  • 07

    Have you smoked in the last 12 months?

  • 08

    On average, do you consume more than 25 standard drinks of alcohol per week?

    Yes No
  • 09

    Have you ever sought, or do you plan to seek, medical advice or treatment from a doctor or other health professional for any of the following?

    1. Leukaemia, cancer or melanoma (if a skin cancer was not a melanoma, you can answer "No")

    2. Heart or cardiovascular disease, stroke or circulatory disease

    3. Multiple sclerosis, muscular dystrophy, motor neuron disease or other condition affecting the brain, spinal cord or nerves

    4. Diabetes, hepatitis B or C (if only gestational diabetes, you can answer "No")

    5. HIV or AIDS

    Yes No
  • 10

    Have you ever sought, or do you plan to seek, medical advice or treatment from a doctor or other health professional for any of the following?

    1. Blood disorder, bladder, kidney, urinary system or reproductive condition?

    2. Bowel, liver, gall bladder, stomach or thyroid condition?

    3. Asthma, sleep apnoea or other lung or respiratory condition?

    4. Head injury, epilepsy, fits, numbness, tingling, altered sensation, tremor or problems with balance or co-ordination?

    5. Have you ever used illegal drugs or received advice and/or counselling for excess alcohol consumption from any health professional?

    6. Within the last five years have you been exposed to the risk of HIV infection? (this can be acquired through unsafe or unprotected sex or intravenous drug use).

    7. Are you about to have any tests or investigations for a current medical concern, or are you awaiting any test results?

    8. Any symptoms of illness, any physical defect, or any condition not already disclosed?

    Yes No
  • 11

    Please select the statement that best describes your current employment situation:

    • I am a parent who works less than 25 hours per week and am primarily responsible for the home duties

    • I am a university qualified professional using my qualification in an occupation where membership of a professional or government body is required
      e.g. Chiropractor, Engineer, Dentist, Doctor, Physiotherapist

    • I spend more than 90% of my time doing clerical, administrative or other non-manual or physical duties e.g. Real Estate Agent, Secretary, Teacher, Working in Financial Services, IT, etc.

    • I do more than 10% light physical labour, but work in a business or commercial environment that includes any of the following features:
      skilled craftspeople or tradespeople in non hazardous industries; supervisors in construction, manufacturing or light industrial environments;retail shop work e.g. Baker, Building Foreman, Butcher, Cook, Hairdresser, Nurse, Vendor, Waiter/Waitress

    • I do physical labour that includes any of the following features: no qualifications are required; the use of heavy machinery; heavy lifting;
      making deliveries; working at heights up to 20 metres; long distance driving; unskilled labour e.g. Bus driver, Cleaner, Courier, Farmer, Labourer, Linesman, Machinist, Removalist, Store person, Truck driver.

    • I am not currently in paid employment.(e.g. student, retired)

  • 12

    In the last three years, has there been any period longer than two months where you weren't working (apart from sickness, injury or holidays)?

    Yes No
  • 13

    Do you have any definite plans to change your occupation or activities in the immediate future?

    Yes No
  • 14

    Have you ever sought, or do you plan to seek, medical advice or treatment from a doctor or other health professional for any of the following?

    1. Any disorder of the eyes or ears including blurred or double vision (other than sightproblems corrected by glasses or contact lenses) or impaired hearing or tinnitus?

    2. Back or neck pain, sciatica, joint, bone or muscle pain or disorder, Repetitive Strain Injury, any form of arthritis or gout?

    3. Eczema, dermatitis, psoriasis or other skin condition?

    Yes No


Product Benefits
Benefit Level
Awards and Ratings
Entry ages
Optional Disability Cover
Minimum level of cover at application
Maximum level of cover at application

Tal GoProtect

$500,000
19 - 60
YES
$100,000
$1,000,000

Clear view

$500,000
None
16 - 64
No
$50,000
$1,000,000

Suncorp

$500,000
None
18 - 60
No
$100,000

AAMI

$500,000
None
18 - 60
No
$100,000

Tal GoProtect

Desired Life Benefit $500,000
miPlan Rating
Entry ages 19 - 60
Policy Expires YES
Minimum level of cover at application $100,000
Maximum level of cover at application $1,000,000

Clear view

Desired Life Benefit$500,000
Desired Life BenefitNone
Entry ages16 - 64
Policy ExpiresNo
Minimum level of cover at application$50,000
Maximum level of cover at application $1,000,000

Suncorp

Desired Life Benefit$500,000
Desired Life BenefitNone
Entry ages18 - 60
Policy ExpiresNo
Minimum level of cover at application$100,000
Maximum level of cover at application $1,000,000

AAMI

Desired Life Benefit$500,000
Desired Life BenefitNone
Entry ages18 - 60
Policy ExpiresNo
Minimum level of cover at application$100,000
Maximum level of cover at application $1,000,000


You have chosen:

Life Insurance

$

Monthly Premium

52% customers added the same amount of Total and Permanent Disability (TPD) cover to their policy

Permanent Disability Insurance

$

Monthly Premium

Yes, please add this to my policy

Product disclosure



requote

Congratulations!

Based on your answers, miPlan's direct insurance product will meet your needs.



  • 01

    Are you a permanent resident of Australia currently living in Australia with no plans to move overseas?

    Yes No
  • 02

    Have you ever sought, or do you plan to seek, medical advice or treatment from a doctor or other health professional for any of the following?

    1. Leukaemia, cancer or melanoma (if a skin cancer was not a melanoma, you can answer 'No')
    2. Heart or cardiovascular disease, stroke or circulatory disease
    3. Multiple sclerosis, muscular dystrophy, motor neuron disease or other condition
    Yes No

Before applying for a Go Protect policy and entering into an insurance contract with TAL Australia, you have a duty to disclose all the information we need to

  • Decide whether to accept your application
  • Decide the terms for which your application is acceptable
  • Calculate your premium

Under the Insurance Contracts Act you have a duty to disclose to us every matter which you know, or could reasonably be expected to know, that is relevant to our decision whether to accept the risk of the insurance and, if so, on what terms. If you fail to comply with your duty of disclosure and we woujld not have entered into the insurance on any terms, we may, within 3 years, treat your policy as if it never existed and pay nothing. Alternatvely we may decide to reduce your protection benefit to an amount we would have been prepared to pay for the premium you've paid, had you you disclosed all the relevant information to us. If the non-disclosure was fraudulent, we may void the insurance at any time.

I have read the Product Disclosure Statement (PDS) for TAL Go Protect and understand the important information about the product, including my Duty of Disclosure, the Privacy Statement, the "cooling off" period and when TAL won't pay. This document helped me decide whether the product was appropriate for my needs.

I declare that I have read the duty of disclosure and that my answers to all questions are true and complete and I have not withheld any information material to this insurance application.

I acknowledge that TAL has not taken into account my objectives, financial situation or needs.

I have read miPlan's Terms and Conditions and Privacy Policy and agree to these terms

I have reviewed miPlan's Financial Services Guide

    • Name (Policy Holder):
    • Edit
    • Date of Birth:
    • Edit
    • Occupation duties
    • Edit
    • Have you smoked in the last 12 months?:
    • Edit
    • Monthly Premium:
    • Edit
` `

Are you a permanent resident of Australia currently living in Australia with no plans to move overseas?

Have you ever had any application for Life, Total and Permanent Disability, Critical Illness or Income Protection insurance refused, modified or offered on non-standard terms (e.g. the insurance premium was loaded or there was an exclusion on your cover) due to your medical history?

Do the duties of your occupation require you to go underground, offshore and/or work at remote locations, handle or transport hazardous materials or weapons, work at heights over 20 metres or are you a member of the Armed Forces?

HIn the past 12 months have you taken part, or are you planning to take part in the coming 12 months, in any of the following activities: aviation (except as a fare paying passenger on a recognised airline), other aerial activities (such as skydiving, parachuting, hang gliding), motor sports, underwater diving beyond 30m in depth or professional sports?

Have you smoked in the last 12 months?

On average, do you consume more than 25 standard drinks of alcohol per week?

What is your height?

What is your weight?

Have you ever sought, or do you plan to seek, medical advice or treatment from a doctor or other health professional for any of the following?

  • Leukaemia, cancer or melanoma (if a skin cancer was not a melanoma, you can answer "No")
  • Heart or cardiovascular disease, stroke or circulatory disease
  • Multiple sclerosis, muscular dystrophy, motor neuron disease or other condition affecting the brain, spinal cord or nerves
  • Diabetes, hepatitis B or C (if only gestational diabetes, you can answer "No")
  • HIV or AIDS

Have you ever sought, or do you plan to seek, medical advice or treatment from a doctor or other health professional for any of the following?

  • Blood disorder, bladder, kidney, urinary system or reproductive condition?
  • Bowel, liver, gall bladder, stomach or thyroid condition?
  • Asthma, sleep apnoea or other lung or respiratory condition?
  • Head injury, epilepsy, fits, numbness, tingling, altered sensation, tremor or problems with balance or co-ordination?
  • Have you ever used illegal drugs or received advice and/or counselling for excess alcohol consumption from any health professional?
  • Within the last five years have you been exposed to the risk of HIV infection? (this can be acquired through unsafe or unprotected sex or intravenous drug use).
  • Are you about to have any tests or investigations for a current medical concern, or are you awaiting any test results?
  • Any symptoms of illness, any physical defect, or any condition not already disclosed?

Occupation duties

In the last three years, has there been any period longer than two months where you weren't working (apart from sickness, injury or holidays)?

Do you have any definite plans to change your occupation or activities in the immediate future?

Have you ever sought, or do you plan to seek, medical advice or treatment from a doctor or other health professional for any of the following?

  • Any disorder of the eyes or ears including blurred or double vision (other than sightproblems corrected by glasses or contact lenses) or impaired hearing or tinnitus?
  • Back or neck pain, sciatica, joint, bone or muscle pain or disorder, Repetitive Strain Injury, any form of arthritis or gout?
  • Eczema, dermatitis, psoriasis or other skin condition?

Your application has been approved.

Please complete the details below ensuring all information is correct and then continue on to our payment section to finalise your application.

Your personal details

    • Policy Holder:

    • Gender:

    • Date of Birth:

Your contact details


I have a different mailing address

I would like to add one or more beneficiaries to my policy

Add Another Beneficiary


Your policy details

    • Insurance:

    • TAL

    • Policy type:

    • still undone

    • Benefit amount:

    • still undone

    • Monthly premium:

    • still undone

Your payment details

Please choose your preferred option:

Credit card
Bank account


I have authorised TAL Life Limited ABN 70 050 109 450 to debit my premiums if credit card or bank account details are provided with my application.


Thank you! Your policy has been submitted!


What happens next?

Your application is currently with TAL for final processing. Your policy documents will be mailed to you within 48 hours.


Should you have any questions feel free to contact us at info@miplan.com.au or 1300 MiPlan



Thank you!


Thank you. Based on the information submitted, miPlan's online insurance product will not meet your needs. A personal insurance specialist will contact you within 24 hours with alternatives for you to consider

Thank you! One of our insurance specialists will contact you within 24 hours to further discuss your needs.


Life insurance pays a lump sum benefit in the event of unexpected death
permanent disability insurance help text
Trauma insurance pays a lump sum benefit if you are diagnosed with a medical condition such as Cancer, Stroke, Heart Attack, Multiple Sclerosis, etc
Income protection pays an ongoing monthly benefit in the event of unexpected injury or sickness. More information can be found in our blog

Find out how much insurance you need (Click & choose a product below)

Welcome to MiPlan’s Lifestyle Analysis tool. In just a few minutes, this tool will help you determine the level of cover required for your unique needs.

If you were not here tomorrow, how much annual income would you like your family to have?

In the event of unexpected death, how much debt would you like paid off?

Additional lump sum expenses

Your estimated amount of cover is

$ 00,00 Add to quote

Assumed cash interest rate = 5%

Income to be maintained

Debt to be eliminated

Additional lump sum expenses

Your estimated amount of cover is

$ 00,00 Add to quote

Assumed cash interest rate = 5%

Income to be maintained

Your estimated amount of cover is

$ 00,00 Add to quote

Assumed cash interest rate = 5%

Please enter your date of birth: