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TAL Health Sense Discount

Sign up for TAL's Accelerated Protection policy and get serious insurance discounts if you have a healthy BMI.

The TAL Health Sense discount rewards you simply for following a healthier lifestyle. Customers who have taken out one of several TAL Accelerated Protection plans and have a body mass index (BMI) between 19 and 28 are eligible for discounts of up to 15% on a range of life insurance policies.

How does the discount work?

The discount applies to the premium costs for TAL Life Insurance, Critical Illness Insurance and TPD insurance, but not Income Protection or Business Expense Insurance. It works as follows:

DiscountHow?Eligible policies
  • Discount applies when you take out one or two TAL Accelerated Protection products
  • Select from Life Insurance, Critical Illness Insurance or TPD Insurance
  • Discount applies when you buy three TAL Accelerated Protection products
  • Select from Life Insurance, Critical Illness Insurance and TPD Insurance, or two of these plus Income Protection or Business Expense Insurance
  • Discount applies when you bundle four TAL products
  • Select from Life Insurance, Critical Illness Insurance and TPD Insurance, plus either Income Protection or Business Expense Insurance.

The discount applies for the life of the policy and requires the insured customer to have a BMI in the range of 19 to 28.

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Who is eligible for the Health Sense program?

You must have a BMI between 19 and 28 to be eligible for the TAL Health Sense discount. Research shows that people with a BMI within this range are generally healthier, and therefore have a lower insurance risk than those outside the range. If your BMI increases so too does your risk of for such diseases as high blood pressure, type 2 diabetes, cancer and heart disease (source).

The TAL Health Sense program is designed to reward sensible thinking around health, and additional benefits and incentives will be introduced over time. To be eligible for the discount you need to meet the following criteria:

  • You must be signed up for a TAL Accelerated Protection policy by your financial adviser.
  • The benefit amounts in your policy must meet minimum sums insured: $100,000 for Life and TPD Insurance; $50,000 for Critical Illness Insurance; and $2,000 per month for Income Protection and Business Expense Insurance.
  • Your BMI must be recorded as falling within the 19 to 28 range.

How can I reduce my BMI?

Reducing your BMI can often lead to cheaper life insurance premiums. It can also be good for your health. Since your BMI is related to your weight the obvious way to lower your BMI is to improve your diet and exercise more.

  • Exercise regularly. Set aside at least 30 minutes in a day to work up a sweat.
  • Keep moving. Aside from regular exercise, find ways to keep yourself moving throughout the day. Even just walking or stretching a few times a day is better than not moving at all.
  • Eat more fruit and vegetables. It's simple but it's true. Make sure there's a wide variety of fruits and vegetables in your diet.
  • Eat less sugar. Cut down on your sugar levels. Look out for unwanted sugar in breakfast cereals, soft drinks and some fruit juices (plenty of orange juice brands are high in sugar).

Always remember to seek professional medical advice if you are unsure about your health and diet. Avoid fad diets or drastic techniques to cause sudden, often damaging weight loss.

How to calculate your BMI

Because TAL Accelerated Protection policies are only available through a financial adviser, your adviser can calculate your BMI for you online at the time of application via the TAL Adviser Centre. If you want to calculate your BMI for yourself just follow this formula:

  • Divide your weight in kilograms by your height in metres.
  • Divide the answer by your height once again to reach your final BMI number.

How do I sign up for Health Sense?

If you meet the above criteria, the discount is automatically applied, with no requirement for ongoing assessments. The only time the discount will be recalculated is if a benefit is increased, reduced or removed during the life of your policy.

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