Life Insurance means TAL Lifetime Protection life insurance, the terms and conditions of which are detailed here.

Accident means an event where Injury or death is caused directly and solely by accidental, violent, external and visible means.

Accidental Injury means a new physical Injury caused by an Accident, as confirmed by a Medical Practitioner, while Cover is in force. It does not include Injury arising from:

Accidental Death means a death caused solely and directly by an Accident while Cover is in force. It does not include death arising from:

Bathing - the ability to shower and bathe; Dressing - the ability to put on and take off clothing; Toileting - the ability to get on and off and use the toilet; Mobility - the ability to get in and ou [..]

Average Monthly Income means the average of your Monthly Income calculated on the 12 months immediately prior to the Accidental Injury, Illness or Sports Injury that led to the claimable event.

Benefit or Benefit Amount means the monthly amount or lump sum amount, as shown on your Policy Schedule, that we will pay you upon receipt of and acceptance by us of a valid claim for the respective C [..]

Benefit Period means the maximum time period for which an Income Protection Benefit is payable, as shown in your Policy Schedule.

Blindness means the permanent Loss of Sight of both eyes.

Bundled, Bundle or Bundling means where under one Policy: