Life insurance for empty nesters
Life insurance for the next stage of your life.
![Canstar Direct Life Insurer - Outstanding Value 2022-2024](https://www.tal.com.au//-/media/tal/images/awards/canstar/canstar-2022-2024-outstanding-value-direct-life-insurance-300pxh.webp)
![Finder - Winner Life Insurance 2024](https://coverbuilder.tal.com.au/assets/Finder-Award-Winner-LIFE-2024.webp?w=100)
![Finder - Winner Income Protection 2024](https://www.tal.com.au/-/media/TAL/Images/Awards/finder/Finder-Award-Winner-IP-2023-2024.webp?w=100)
TAL insurance options for you and your partner’s financial future
Your kids are grown and have left home and the nest is empty, but you may still be paying off a mortgage, trying to build your retirement savings, supporting aging parents or adult children. TAL’s insurance products can help you stay financially independent as you contemplate the next stages of life.
Life Insurance
Protects your family’s future and gives them options if you are no longer around.
Income Protection Insurance
Provides you with an income to help you continue living your life if you have an injury or illness and can’t work.
Critical Illness Insurance
Means you have choices so you can still make the most of life if you have a serious illness.
Total and Permanent Disablement Insurance
Gives you options to help you live a better quality of life if you are permanently disabled and can’t work again.
Benefits of life insurance for empty nesters
Here are just a few of the life insurance benefits for empty nesters.
Protect your retirement
If you’re working hard to pay off the mortgage or build up your retirement savings, an accident or illness could derail your plans. Life insurance can help protect your financial goals.
Protect against illness and accidents
Health issues can become more top of mind as we get older. Critical illness and total and permanent disability (TPD) insurance can help you cover medical treatment and rehabilitation allowing you to focus on recovery.
Protect your partner
Life insurance offers financial support for your surviving spouse if the worst were to happen. It can help pay down the mortgage, credit cards or other debts, and help your partner with living expenses if you’re no longer able to.
Factors to consider when choosing life insurance
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Your financial health
How do your superannuation and savings balance stack up against your debts and expenses? Would your partner or family be supported if the unexpected happened to you? If you own your home, could your partner afford to stay in it?
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Your physical health
Although 3 out of 4 Australians aged 65 or over report their health as good, very good or excellent, many people will experience an increase in health issues as they get older.
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Did you know?
1 in 3 injuries leading to hospitalisation involved older Australians aged 65 and over.
Source: AIHW, Older Australians: Health – status and functioning
Frequently Asked Questions
IMPORTANT NOTICE
Any financial product advice is general in nature only and does not take into account your objectives, financial situation or needs. Before acting on it, the appropriateness of the advice should be considered, having regard to your own objectives, financial situation or needs. If you are deciding whether to acquire or continue to hold life insurance issued by TAL, you should consider the relevant Product Disclosure Statement (PDS) before making any decisions about your cover. 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.
Terms and conditions under each insurance policy apply. The payment of a benefit is not guaranteed, as cover will only be payable if your circumstances meet the eligibility criteria in your policy.