Australia Law

Have Australian Law Questions? Ask a Lawyer Now.

Ask a Lawyer,
Get an Answer ASAP!

Australia Law

I and my wife, Sarojini Kamath have Funeral Insurance with…

Customer Question
I am Madhukar Kamath...

I am Madhukar Kamath. I and my wife, Sarojini Kamath have Funeral Insurance with TAL Insurance. We commenced these policies in 2005 with a premium $55 and the Funeral cover (Death Benefit) is $8331 as per the Policy Schedule. We have continued to pay till to-date this premium amount through direct debit and it amounts to $8496/= per policy. We have covered the Death Benefit amount $8331.

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

We asked TAL how long we should continue to pay the premiums and we were shocked to hear that we have to continue paying till 2058. The policy cover is till 2058! When we took the policy we were 67 yr. old and now we are 80 yr. There is no logic why we should continue paying the premiums. In 2058 we will be 125 yr. old. and I wonder whether anybody has lived that long. It is preposterous to think that our Funeral policy continues for that long. When we asked TAL the Cust. Service could not give us any convincing answers. We told them that since we have paid up the Funeral Cost and we would like to discontinue, they informed us that the Policy will lapse. That means we won't get the amount when the time comes to pay for our funeral services paid to our nominated Beneficiaries! we see this as a trap and the insurance company wants to continue paying till we drop dead! We are pensioners and we cannot go on paying the premiums indefinitely. When I questioned TAL that in their Policy Schedule nowhere they have indicated the expiry date of the policy, they have no answer. They only repeat that this is their policy and the expiry date is 2058! Please help us; we are experiencing financial constraints and want to discontinue paying the premiums unnecessarily at the same time we do not want to lose the amount which we have already paid-up for the Death Benefit as per the Policy Schedule.

Lawyer's Assistant: Has anything been filed or reported?

I have already sent e-mails to this effect to the TAL Insurance. So far their answers are vague and not satisfactory. They (Cust. Ser.) repeat that in case we stop paying the premiums the Policy will lapse.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

One more thing I want to let you know. When TAL Cust. Ser. mentioned that our Policy is till 2058, I calculated the amount that would accrue @ 55 per month since 2005 (the commencement date of the policy). It came to about 55x12x54 = $ 35,640. I asked TAL, suppose I live that long (125 yrs) and the death ensues after that, will they release this amount to the Beneficiary? They had no answer to this. They only told me that as per the Policy Schedule the amount will be $8331 paid to the beneficiary. For me this seems rediculous. I do not know how many Seniors (Pensioners) are trapped by these Insurance companies.

Submitted: 1 month ago.Category: Australia Law
Show More
Show Less
Ask Your Own Australia Law Question
Answered in 5 minutes by:
1/9/2018
Solicitor: John Melis, Lawyer replied 1 month ago
John Melis
John Melis, Lawyer
Category: Australia Law
Satisfied Customers: 1,748
Experience: Principal Lawyer at Legal AU Pty Ltd
Verified

Dear customer, my name is***** solicitor in Melbourne, thank you for using Just Answer, I will assist with your question today.

Ask Your Own Australia Law Question
Solicitor: John Melis, Lawyer replied 1 month ago

do you still have a copy of the policy and what does it say about the situation you are raising

Ask Your Own Australia Law Question
Customer reply replied 1 month ago
Thank you, ***** ***** the response. Yes, I have the policy schedule. Nowhere in the policy, they have given the expiry date. Now only they are telling us that the policy expires in 2058!
Solicitor: John Melis, Lawyer replied 1 month ago

ok

does it refer to any updates on their website with reference to it

Ask Your Own Australia Law Question
Was this answer helpful?
Ask Deborah Awyzio Your Own Question
Deborah Awyzio
Deborah Awyzio
Deborah Awyzio, Solicitor
Category: Australia Law
Satisfied Customers: 863
863 Satisfied Customers
Experience: Bachelor of Laws (QUT), BIT (QUT), Family Law Accredited Specialist, over 12 years experience

Deborah Awyzio is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Deborah Awyzio

Deborah Awyzio

Solicitor

863 satisfied customers

Bachelor of Laws (QUT), BIT (QUT), Family Law Accredited Specialist, over 12 years experience

Sean

Sean

Experienced lawyer

855 satisfied customers

Law degree with 1st class honours from Australian National University.

James G.

James G.

Lawyer

17 satisfied customers

Australian Legal Practitioner

Darren Kruse

Darren Kruse

Solicitor

16 satisfied customers

Practising in in Personal Injury, Workcover, Civil Disputes, Family, Wills and Estates and Criminal law.

Leon

Leon

Solicitor

26,412 satisfied customers

BEc Dip Ed, Dip Law (SAB) MTax (UNSW)

Daniel

Daniel

Solicitor

5,833 satisfied customers

Bachelor of Laws (dist) Graduate Diploma in Legal Practise. Admitted NSW Supreme Court / High Court

James D. Ford

James D. Ford

Solicitor

1,600 satisfied customers

Consulting Principal at Nexus Law Group

< Previous | Next >

Related Australia Law Questions
Well, have you seen my message. W.A. We lodged an appeal
Obviously what the cost would be for a lawyer to represent my partner and I at the AAT … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
I have had the NBN connected recently to my house which is
My name is***** have had the NBN connected recently to my house which is also my place of Buisness I am semi retired but this installation has totally wiped me out as the Technician disconnected all m… read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
I have completed my Certificate IV in Aged Care Support. I
I have completed my Certificate IV in Aged Care Support. I have contacted DP Training on many occassions wanting to know where my Certificate is and the reply is Its at the printers, When asked could … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
I was wondering if you could help me with spousal
Hello, I was wondering if you could help me with spousal maintenance advice? … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
My volunteer church group has not paid for expected service
My volunteer church group has not paid for expected service charges to a vending machine company for a period of 19 months due to legal issues concerning overcharging of the company All 9 vending mach… read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
I was appointed as executor for my late brother's will, I
Hello , I was appointed as executor for my late brother's will, I engaged a solicitor for the purpose then engaged her for the convenience of selling the two properties which was finalized 3 weeks ago… read more
Leon
Leon
Solicitor
Master's Degree
26,412 satisfied customers
I put a $500 deposit down for a used car.4weeks ago...and
I put a $500 deposit down for a used car.4weeks ago...and the dealer Craig Moore Wholesale Cars Unit 8/31 Groves Ave, Mulgrave NSW 2756 and the dealer won't give me back my cash deposit as I cannot af… read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
Need advice on misleading advertising on work boots
Need advice on misleading advertising on work boots purchased yesterday. Have contacted them to say what was on the website on sale and went to store to be told that i had to bring in old boots to get… read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
NSW. I am assisting my step mother you cannot speak English
I am assisting my step mother you cannot speak English well. My father has told her he is not coming back to their home. I need to assist her in finding out information of what steps she needs to take as my father wants a divorce.… read more
Leon
Leon
Solicitor
Master's Degree
26,412 satisfied customers
Qld. Sort of. I'm representing myself at the moment. I ran
Sort of. I'm representing myself at the moment. I ran out of money. … read more
Daniel
Daniel
Solicitor
Bachelor's Degree / Graduate Diploma
5,833 satisfied customers
One of my staff members, an overseas student has had a truck
One of my staff members, an overseas student has had a truck run into the back of her car writing it off. She has taken a loan to purchase the car and has to make payments on it. She is not able to ac… read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
I was involved in a car vehicle accident and wanted some
hi, i was involved in a car vehicle accident and wanted some help regarding persuing compensation … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
Some months ago another driver ran into my car and caused
Hi, some months ago another driver ran into my car and caused around $2500.00 damage, because I was insured I didn't expect any dramas.the other driver gave me his details and sped off, when I explain… read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
My son lives with his girl friend, they have a joint bank
My son lives with his girl friend, they have a joint bank account, living under the same roof over 12months, she is 6 months pregnant, is she entitled to have half the saving in a joint account, most … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
Election of committee member at agm strata meeting. Sydney.
election of committee member at agm strata meeting … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
Tatton i am looking for help for my partner who wants to be
hi My name is ***** ***** i am looking for help for my partner who wants to be in beter touch with her grandaughters (4and 6 ) who are in foster care … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
My wife accidentally transferred $7000 to the wrong company.
Hello, my wife accidentally transferred $7000 to the wrong company. Is this company legally bound to return/refund that money? … read more
John Melis
John Melis
Lawyer
1,748 satisfied customers
I need a lawyer to help me in court tomorrow for a speeding
I need a lawyer to help me in court tomorrow for a speeding fine I am challenging as I was not the driver. the matter tomorrow should be case conferenced with the aim to having the police withdraw the… read more
John Melis
John Melis
Lawyer
1,748 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x