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1. Collection of Information

We collect information from you over the telephone, via the Internet and/or when you fill out an application form. In some situations, we may also collect your personal and sensitive information from your health professional or any other party with which we have an arrangement for the promotion and sale of products offered or distributed by us.

Depending on the product you enquire about, apply for or hold, We may disclose some of your personal information to external parties such as:

  • Related companies to TAL Life Limited, such as plan administrators – in order to assess your policy application and administer your policy.
  • Organisations to whom we or the plan administrators or TAL, outsource mailing, information technology, telephony and communications requirements – in order to process your application.
  • Organisations, who provide us with data analytics, research and other related services.
  • Government regulatory bodies – if required by law.
  • Investigators, health professionals, lawyers, accountants, other insurers, reinsurers – in order to assess your application or at the time of a claim.
  • A life insured named in your application.
  • The financial institutions involved in collecting your premium.
  • Other organizations, which in conjunction with us provide products and services (so that they may provide their products and services to you).
  • Virgin Money (Australia) Pty Limited (ABN 75 103 478 897) and each of its related bodies corporate, including Virgin Money Financial Services Pty Ltd (ABN 51 113 285 395) & Virgin Money Home Loans Pty Ltd (ABN 81 117 183 623). Virgin Group Companies means entities which are related to Virgin Money (Australia) Pty Limited or which are otherwise licensed to use the “Virgin” name to carry on business.

By making a telephone call, online quote or application or by signing an application form, you consent to these disclosures listed above. By supplying us with contact details, you agree to allow Virgin Money Australia to contact you from time to time in relation to the products we offered until you tell us or Virgin Money otherwise. Generally, individuals have rights to access the personal information held about them.

2. Accessing and Updating Information

Generally, we are happy to provide you with the information held about you on our customer file. To access this information, please contact us using the details below. Please include your name and contact phone number, as we will need to be satisfied as to your identity before providing such details.

We take reasonable steps to ensure that your personal information is accurate, complete and up-to-date. Please let us know if your details change and we will update our records.

3. Personal Information Security

We have strict procedures and standards and take all reasonable care to prevent unauthorised access to, modification and disclosure of your personal information. We will take all reasonable steps to protect your personal information from misuse and loss.

4. Marketing

We may also use your personal information to keep you informed of new products or special arrangements offered or distributed by us, or other organisations with which we have a business relationship or to conduct marketing activities. We may disclose information about you to our service providers for this purpose.

5. Online Security- Cookies

TAL makes use of "cookies" to make our website perform better. A "cookie" is a feature built into your browser that assigns you a "user ID". Cookies are used to follow the pattern of movements of web users. Cookies let us know which pages on our website are visited, in what order and how often. By themselves, cookies cannot be used to discover your identity, they merely identify your computer to our servers when you visit us. If you are unhappy about having a cookie assigned to you, you can set your browser to refuse cookies. Cookies are not used to record any personal information such as your name, address or email address For the purposes of this Security policy, "we" means TAL Life Limited and any of its related companies.

Virgin Income Protection is available to Australian Residents between 18-60 years of age. Applications subject to acceptance.


+Up to $10,000 per month, up to 85% of pre-tax income available with our Tailored Cover option.


^$1 per day could provide $3,000 sickness & injury cover per month, for a 35 year old white collar non-smoker male with a 6 month Benefit Period & 28-day Waiting Period, under Tailored option.


*On the spot cover for eligible Australian Residents aged 18-65 with our Quick & Easy option. Exclusions apply including pre-existing medical conditions, suicide, and dangerous activities. See the Product Disclosure Statement for more information.


This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information, having regard to your personal financial situation, needs and objectives as well as the Product Disclosure Statement and Financial Services Guide before deciding whether to buy this product. View Privacy & Security information.

Virgin Life Insurance and Virgin Income Protection promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869, and distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. All other benefits insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848. For information about Virgin Money, TAL & St Andrew's please see the Product Disclosure Statement and Financial Services Guide.