Historical documents - previously branded St.George
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.
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
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- Name
- St.George Protection Plans Business Overheads TMD
- Type
- Size
- 196.31KB
-
- Name
- St.George Protection Plans Childrens Benefit TMD
- Type
- Size
- 190.38KB
-
- Name
- St.George Protection Plans General Cover Total Permanent Disablement TMD
- Type
- Size
- 192.76KB
-
- Name
- St.George Protection Plans Home Duties Income Protection and IP Plus TMD
- Type
- Size
- 173.91KB
-
- Name
- St.George Protection Plans Home Duties Total Permanent Disablement TMD
- Type
- Size
- 197.12KB
-
- Name
- St.George Protection Plans Income Protection as Superannuation IPAS TMD
- Type
- Size
- 201.04KB
-
- Name
- St.George Protection Plans Income Protection IP Plus Reserve IP Reserve IP Plus General Cover IP TMD
- Type
- Size
- 209.81KB
-
- Name
- St.George Protection Plans Key Person Income TMD
- Type
- Size
- 190.84KB
-
- Name
- St.George Protection Plans Living Insurance TMD
- Type
- Size
- 220.91KB
-
- Name
- St.George Protection Plans Needlestick TMD
- Type
- Size
- 190.24KB
-
- Name
- St.George Protection Plans Term Life as Superannuation TMD
- Type
- Size
- 191.30KB
-
- Name
- St.George Protection Plans Term Life TMD
- Type
- Size
- 191.03KB
-
- Name
- St.George Protection Plans Total and Permanent Disablement in Superannuation TMD
- Type
- Size
- 205.61KB
-
- Name
- St.George Protection Plans Total and Permanent Disablement TMD
- Type
- Size
- 201.65KB
PDS and Enhancement Guides
1 April 2019 – 31 March 2025
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- Name
- Protection Plans PDS - 1 April 2019
- Type
- Size
- 2.20MB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
28 August 2018 - 31 March 2019
-
- Name
- Protection Plans PDS and SPDS - 28 August 2018
- Type
- Size
- 2.57MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
25 February 2017 - 27 August 2018
-
- Name
- Protection Plans PDS - 25 February 2017
- Type
- Size
- 3.20MB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
1 October 2015 - 24 February 2017
-
- Name
- Protection Plans PDS and SPDS - 1 October 2015
- Type
- Size
- 2.50MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
1 July 2014 - 30 September 2015
-
- Name
- Protection Plans PDS and SPDS - 1 July 2014
- Type
- Size
- 2.47MB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
19 May 2014 - 30 June 2014
-
- Name
- Protection Plans PDS - 19 May 2014
- Type
- Size
- 2.42MB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
20 May 2013 - 18 May 2014
-
- Name
- Protection Plans PDS - 20 May 2013
- Type
- Size
- 1.36MB
-
- Name
- Protection Plans Enhancements Guide - 19 May 2014
- Type
- Size
- 267.52KB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
15 October 2012 - 19 May 2013
-
- Name
- Protection Plans PDS and SPDS - 15 October 2012
- Type
- Size
- 1.24MB
-
- Name
- Protection Plans Enhancements Guide - 19 May 2014
- Type
- Size
- 267.52KB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
19 March 2012 - 14 October 2012
-
- Name
- Protection Plans PDS - 19 March 2012
- Type
- Size
- 1.21MB
-
- Name
- Protection Plans Enhancements Guide - 15 October 2012
- Type
- Size
- 189.83KB
-
- Name
- Protection Plans Enhancements Guide - 19 May 2014
- Type
- Size
- 267.52KB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
22 August 2011 - 18 March 2012
-
- Name
- Protection Plans PDS and SPDS - 22 August 2011
- Type
- Size
- 834.74KB
-
- Name
- Protection Plans Enhancements Guide - 7 August 2012
- Type
- Size
- 404.33KB
-
- Name
- Protection Plans Enhancements Guide - 15 October 2012
- Type
- Size
- 189.83KB
-
- Name
- Protection Plans Enhancements Guide - 19 May 2014
- Type
- Size
- 267.52KB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
21 February 2011 - 21 August 2011
-
- Name
- Protection Plans PDS and SPDS - 21 February 2011
- Type
- Size
- 720.63KB
-
- Name
- Protection Plans Enhancements Guide - 22 August 2011
- Type
- Size
- 722.48KB
-
- Name
- Protection Plans Enhancements Guide - 7 August 2012
- Type
- Size
- 404.33KB
-
- Name
- Protection Plans Enhancements Guide - 15 October 2012
- Type
- Size
- 189.83KB
-
- Name
- Protection Plans Enhancements Guide - 19 May 2014
- Type
- Size
- 267.52KB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
15 November 2010 - 20 February 2011
-
- Name
- Protection Plans PDS - 15 November 2010
- Type
- Size
- 748.32KB
-
- Name
- Protection Plans Enhancements Guide - 22 August 2011
- Type
- Size
- 722.48KB
-
- Name
- Protection Plans Enhancements Guide - 7 August 2012
- Type
- Size
- 404.33KB
-
- Name
- Protection Plans Enhancements Guide - 15 October 2012
- Type
- Size
- 189.83KB
-
- Name
- Protection Plans Enhancements Guide - 19 May 2014
- Type
- Size
- 267.52KB
-
- Name
- Protection Plans Enhancements Guide - 1 October 2015
- Type
- Size
- 1.14MB
-
- Name
- Protection Plans Enhancements Guide - 25 February 2017
- Type
- Size
- 312.39KB
-
- Name
- Protection Plans Enhancements Guide - 28 August 2018
- Type
- Size
- 3.65MB
-
- Name
- Protection Plans Enhancements Guide - 1 April 2019
- Type
- Size
- 151.90KB
-
- Name
- Protection Plans Enhancements Guide - 5 April 2021
- Type
- Size
- 264.87KB
-
- Name
- Protection Plans Enhancements Guide - 20 September 2021
- Type
- Size
- 385.35KB
-
- Name
- Protection Plans and Reserve Enhancements Guide – 1 August 2022
- Type
- Size
- 331.14KB
-
- Name
- TAL Super PDS - 1 April 2024
- Type
- Size
- 969.63KB
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.