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Making an Income Protection Claim

If you are made redundant or become ill or injured and are out of action for a while, we understand how stressful this can be. We’ll do everything we can to make things as easy as possible.

To make an Income Protection claim, just follow these simple steps.

Step 1: Contact us

Call us on 13 77 87 to let us know you'll be making a claim. Once your claim has been accepted, you will not need to pay premiums for the period that you are receiving claim benefits.

Please note that we are closed on public holidays. You can send us an email using our enquiry form and we will respond to you during operating hours.


Your responsibilities when dealing with us:
We all deserve to feel safe and to be treated with respect. When you contact us, you can always expect our staff to provide helpful and respectful service. We also ask that you are respectful of our staff as we don’t accept abusive, threatening or violent behaviour.

Step 2: Send us the details

When you're ready, please send us the following documents:

  1. A completed Claim Form

  2. A completed Medical Practitioners form, if applicable
  3. A certified copy of proof of your identity such as your driver’s license or passport

Please note:

Documents provided must be in English.

A certified copy is a copy signed and certified as being a true and accurate copy of the original document by a person who is authorised by law to certify documents. Legal practitioners, Justices of the Peace, police officers and chemists are some of the individuals who are authorised by law to certify documents.

We may need you to send us evidence of your income, involuntary redundancy and job seeking; or or other relevant documents depending on the nature of your claim. We will discuss this with you when you call us to tell us that you will be making a claim.

You can send your documents to us via:
  • Fax: 1800 245 662
  • Email:
  • Mail:
    Insuranceline Claims
    Reply Paid GPO Box 5380
    Sydney NSW 2001 (no stamp required)

We will start assessing your claim immediately after we have received the required documents, and will contact you if we need any more information.

Send us a progress form each month

Every month that you are out of action, you will need to complete and send us a progress claim form so that we know you are still entitled to receive a payout. You are responsible for the costs of providing the initial and ongoing information or documents to support your claim. However, we will pay any costs for anything above our standard requirements. If you have any questions, please call us on 13 77 87.

Backed by TAL

^Insuranceline Win 1 of 5 $1000 Visa Cards (Competition). Subject to the Terms and Conditions, the Promotor is offering customers a chance to win one of five Digital Visa Gift Cards valued at $1,000, in one of the four draws. Entry commences on the 1st of April 2024 and will run for four months until 11:59pm AEST on the 31st of July 2024 (Entry Period). During the Entry Period, to be eligible to participate in the Competition, customers must get a quote and take out a new Insuranceline Life Insurance, Income Protection Insurance, or Funeral Insurance policy to enter the Competition. A maximum of one (1) entry into the Competition will be awarded per eligible policy. The Promotion is not open to existing customers, or customers who have cancelled a Promoter branded policy in the 12 months prior to the commencement of the Entry Period and then taken out a new Insuranceline branded policy. Each of the four Prize Draws will take place at Level 16, 1 Denison Street, North Sydney NSW 2060 on the respective Prize Draw and Time, as listed in the table in Condition 13 (and if any Redraws if there are any unclaimed prizes, Condition 19) of the full Terms and Conditions, and the winners will be sent an email and will be attempted to be notified via phone within two (2) business days of the Draw and published on Max. retail value of the total prize pool is $20,000. To be eligible at time of the draw, customers must still have an active policy and have paid 1 month of premiums in full. View eligibility criteria and full terms and conditions here. Promoter: TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Permits: NSW NTP/09255, ACT TP24/00483, & SA Licence No. T24/388.

**Bonus 10% more cover is calculated on the fifth anniversary from the Policy Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and conditions apply. Refer to the PDS for more information.

#Claims paid figures relate to all Insuranceline life insurance policies in the 2021 financial reporting year (1 April2021 to 31 March 2022). All claims on Insuranceline policies are assessed against the relevant policy terms and conditions. These terms and conditions, as well an explanation of the claims process, can be found in the applicable Product Disclosure Statement. Claims are administered and settled by the insurer, TAL Life Limited.

***Insuranceline is the longest standing provider of Funeral Insurance in Australia, based on: Strategic Insight, Actuaries & Researchers. Funeral Insurance means a policy with periodic premium payments that provides a lump sum to help pay for funeral and associated expenses when you die and excludes pre-paid Funeral Plans and Funeral Bonds.

The information provided on this website is general advice only which means it does not take into account your individual needs, objectives or financial situation. For this reason, you should consider whether it is appropriate for you, and before you decide to buy or to continue to hold an insurance product, you must read the relevant Combined Product Disclosure Statement (PDS) and the Financial Services Guide (FSG). The PDS/FSG contains important information which will help you understand the product, including what's covered and what's not covered and to decide whether it is appropriate for you. The Target Market Determination (TMD) for the relevant product, where applicable, is also available.

If you are considering cancelling a policy you already hold in order to replace it with a new policy, make sure you read the terms and conditions of both policies before you make a decision. The cover terms may be different, you may lose benefits accrued under your existing policy, and waiting periods may apply to the new policy. Changes in your personal circumstances (such as your age, health, and employment) that have occurred since your existing policy was originally taken out may also affect your new policy. As your application for a new policy may not be accepted, and some policies may be unable to be reinstated after they have been cancelled, you should consider waiting until your new policy is confirmed before you cancel any existing cover.

Promoted by Insuranceline, a trading name of TAL Direct Pty Limited (of Level 16, 363 George Street, Sydney NSW 2000) ABN 39 084 666 017 AFSL 243260. TAL Life Limited ABN 70 050 109 450 AFSL 237848 issues the life insurance benefits. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover.

The ways in which Insuranceline collects, uses, discloses and secures your personal information are set out in the Insuranceline Privacy Policy, which is available free of charge on request.