Historical documents - previously branded BT

Existing Protection Plans policyholders

Important information

On 9 August 2021, Westpac announced it had agreed with TAL Dai-ichi Life Australia Pty Limited (TDA) to sell Westpac Life Insurance Services Limited (WLISL). The sale of WLISL to TDA was completed on 1 August 2022 and WLISL changed its name to TAL Life Insurance Services Limited (TLISL).

Effective 1 April 2025, all assets and liabilities referable to the life insurance business of TLISL was transferred to TAL Life Limited (TAL) a subsidiary of TDA (Transfer). Additionally, previously branded BT, Westpac and St.George policies were rebranded, and in turn the policy holders will receive all communications directly from TAL with TAL branding.

Read more about the Transfer.

Protection Plans is closed to new customers. The information on this product is for existing Protection Plans customers.

How to locate your Policy documents

Policy documents are based on the commencement date of your Policy, which can be found on your policy schedule and renewal letters.

Please note that, in some cases where your application for insurance was made immediately prior to the introduction of a revised PDS, the relevant PDS may depend on the date of your application.

We’re here to help

If you have any questions or require clarification to ensure you review the correct documents, please contact us on 1300 553 764 Mon - Fri, 8am - 6:30pm (AEST).

Target Market Determination (TMD) - Historical

1 August 2022 - 31 March 2025

PDS and Enhancement Guides

BT Protection Plans – Historical Product updates

1 April 2024 - 31 March 2025

1 April 2023 - 31 March 2024

1 August 2022 - 31 March 2023

1 November 2021 - 31 July 2022

20 September 2021 - 31 October 2021

5 April 2021 - 19 September 2021

19 October 2020 - 4 April 2021

1 May 2020 - 18 October 2020

1 April 2019 - 30 April 2020

28 August 2018 - 31 March 2019

25 February 2017 - 27 August 2018

1 October 2015 - 24 February 2017

1 July 2014 - 30 September 2015

19 May 2014 - 30 June 2014

1 July 2013 - 18 May 2014

20 May 2013 - 30 June 2013

11 March 2013 - 19 May 2013

15 October 2012 - 10 March 2013

19 March 2012 - 14 October 2012

22 August 2011 - 18 March 2012

21 February 2011 - 21 August 2011

19 October 2009 - 20 February 2011

1 December 2008 - 18 October 2009

24 September 2007 - 30 November 2008

The insurer and issuer is TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, which are issued by Mercer Superannuation (Australia) Limited ABN 79 004 717 533 AFSL 235906 (MSAL) as trustee of the Mercer Super Trust ABN 19 905 422 981. MSAL does not guarantee the insurance. TAL is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). MSAL is not part of the TAL group of companies.

Any financial product advice is general in nature only and does not take into account any person’s objectives, financial situation or needs. Before acting on it, the appropriateness of the advice for any person should be considered, having regard to those factors. Persons deciding whether to acquire or continue to hold life insurance issued by TAL Life should consider the relevant Product Disclosure Statement (PDS). The Target Market Determination (TMD) for the product (where applicable) is also available.

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2025 © TAL Services Limited a Dai-ichi Life Group Company.

"TAL is Australia's leading life insurer" based on Inforce premiums for risk only life insurance policies, NMG Consulting (2023).

Any financial product advice is general in nature only and does not take into account any person’s objectives, financial situation or needs. Before acting on it, the appropriateness of the advice for any person should be considered, having regard to those factors. Persons deciding whether to acquire or continue to hold life insurance issued by TAL should consider the relevant Product Disclosure Statement (PDS). The Target Market Determination (TMD) for the product (where applicable) is also available. Life insurance issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848.