TAL has made underwriting changes to products sold through advisers or directly from TAL, removing the need for mandatory medical tests when clients want to increase sums insured.

Life and total and permanent disability policyholders aged 49 and younger can now apply for up to $2 million in cover without testing, up from the previous $1.5 million threshold. Income protection customers aged 44 and younger can seek up to $15,000 per month of cover, up from $12,500.

TAL says it has also removed some mandatory tests for larger sums insured to “further simplify” underwriting.

“Making it easier and faster for advisers to do business with us is crucial to ensuring risk advice is sustainable and more Australians can access the guidance and advice they need,” TAL chief executive of individual life Gavin Teichner said.