TAL

aid: tal-australia
url: https://raw.githubusercontent.com/api-evangelist/tal-australia/refs/heads/main/apis.yml
name: TAL
kind: company
description: 'TAL is Australia''s largest life insurer by inforce risk-only premium (NMG Consulting, 2023), owned by Japan''s
  Dai-ichi Life Group and underwriting through TAL Life Limited (ABN 70 050 109 450, AFSL 237848). Operating in the Australian
  market for roughly 150 years, TAL writes life cover, income protection, total and permanent disability and critical illness,
  and reports paying $4.7 billion in benefits to 57,000 customers and their families in its most recent year. It distributes
  through three channels — financial advisers via the login-gated TAL Adviser Centre, group insurance inside superannuation
  funds, and direct/embedded offers including backd by TAL, a payroll-embedded product built with Sydney insurtech Cover Genius.
  TAL is not API-less, it is API-private: certificate transparency and live probing surface a real partner API estate — an
  OpenID Connect partner identity tenant, a bearer-protected Group Life B2B integration estate (glsb2b), per-distributor API
  hosts including one named for the Iress adviser software, and a production Underwriting Rules Engine GraphQL endpoint —
  none of which is documented, registrable or self-serve. There is no developer portal, no public API reference, no downloadable
  OpenAPI, and no published ACORD or AL3 position. Australia''s Consumer Data Right was designated to extend to insurance
  but was deferred, so no open-insurance mandate forces a public surface here.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Australia
- Life Insurance
- Income Protection
- Group Insurance
- Superannuation
- Underwriting
- Claims
- Carrier
- Embedded Insurance
- Partner Gated
- No Public API
- OpenID Connect
- GraphQL
- Identity
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis:
- name: TAL Partner Identity
  description: TAL's partner-facing OpenID Connect identity tenant (Okta org talpartner-au.okta.com), and the only machine-readable
    API contract TAL serves anonymously. Full OIDC discovery and RFC 8414 authorization-server metadata return 200, advertising
    authorization-code with PKCE (S256), device code, CIBA, refresh tokens, pushed authorization requests and DPoP, plus introspection,
    revocation and logout endpoints. It authenticates partner applications into TAL's gated API estate; TAL operates no open
    client registration, so obtaining a client requires a partner agreement. Two sibling tenants exist for ACP (auth.acp.tal.com.au)
    and TAL Claims Assist (auth.claimsassist.tal.com.au).
  humanURL: https://www.tal.com.au/adviser-partners
  baseURL: https://login.talpartner.tal.com.au
  tags:
  - Identity
  - OpenID Connect
  - OAuth 2.0
  - Partner
  properties:
  - type: OpenIDConnect
    url: https://login.talpartner.tal.com.au/.well-known/openid-configuration
  - type: WellKnown
    url: well-known/tal-australia-well-known.yml
  - type: Authentication
    url: authentication/tal-australia-authentication.yml
  - type: OAuthScopes
    url: scopes/tal-australia-scopes.yml
- name: TAL Group Life B2B (glsb2b)
  description: The integration estate behind TAL's group insurance business with superannuation funds — underwriting in/out
    (uwin, uwout), claims in/out (claimsin, claimsout), a common service, a delivery service and clpapi, all under glsb2b.tal.com.au.
    The common service is an ASP.NET application on Azure App Service that answers anonymous requests with HTTP 401 and WWW-Authenticate
    Bearer, confirming an OAuth 2.0 bearer-protected API rather than a website; the delivery service is an Azure Function
    App. No OpenAPI, Swagger UI or documentation is served — every discovery path returns 401. Access is bilateral, negotiated
    per fund administrator.
  humanURL: https://www.grouphq.tal.com.au/
  baseURL: https://common.glsb2b.tal.com.au
  tags:
  - Group Insurance
  - Superannuation
  - Underwriting
  - Claims
  - Partner
  properties:
  - type: Authentication
    url: authentication/tal-australia-authentication.yml
  - type: ErrorCatalog
    url: errors/tal-australia-error-codes.yml
- name: TAL Underwriting Rules Engine (URE) GraphQL
  description: A live production GraphQL endpoint serving TAL's Underwriting Rules Engine. It answers anonymous POSTs and
    reports a query root type of CaseQuery with no mutation or subscription type, but field-level introspection is filtered
    — types and fields return empty — so no SDL can be captured and none is fabricated here. It is linked from nothing and
    documented nowhere; it was located by enumerating certificate transparency records for tal.com.au. Sibling hosts cover
    UAT, the Individual Life and Group underwriting engines, and the URE single-page app.
  humanURL: https://www.tal.com.au/adviser-partners
  baseURL: https://ure-prod-graphql-app.tal.com.au/graphql
  tags:
  - GraphQL
  - Underwriting
  - Rules Engine
  properties:
  - type: GraphQL
    url: graphql/tal-australia-ure-graphql.yml
  - type: ErrorCatalog
    url: errors/tal-australia-error-codes.yml
common:
- type: WellKnown
  url: well-known/tal-australia-well-known.yml
- type: OpenIDConnect
  url: https://login.talpartner.tal.com.au/.well-known/openid-configuration
- type: Authentication
  url: authentication/tal-australia-authentication.yml
- type: OAuthScopes
  url: scopes/tal-australia-scopes.yml
- type: GraphQL
  url: graphql/tal-australia-ure-graphql.yml
- type: Conformance
  url: conformance/tal-australia-conformance.yml
- type: ErrorCatalog
  url: errors/tal-australia-error-codes.yml
- type: Conventions
  url: conventions/tal-australia-conventions.yml
- type: Lifecycle
  url: lifecycle/tal-australia-lifecycle.yml
- type: Packages
  url: packages/tal-australia-packages.yml
- type: LLMsTxt
  url: llms/tal-australia-llms.txt
- type: DomainSecurity
  url: security/tal-australia-domain-security.yml
- type: Website
  url: https://www.tal.com.au/
- type: About
  url: https://www.tal.com.au/about-us
- type: PartnerPortal
  url: https://adviser.tal.com.au/
- type: PartnerPortal
  url: https://www.grouphq.tal.com.au/
- type: Support
  url: https://www.tal.com.au/contact-us
- type: FAQ
  url: https://www.tal.com.au/tools-and-faqs/insurance-faqs
- type: Login
  url: https://mytal.tal.com.au/login
- type: Blog
  url: https://www.tal.com.au/slice-of-life-blog
- type: Press
  url: https://www.tal.com.au/about-us/media-centre
- type: PrivacyPolicy
  url: https://www.tal.com.au/privacy-policy
- type: Security
  url: https://www.tal.com.au/security
- type: Complaints
  url: https://www.tal.com.au/contact-us/complaint-handling-process
- type: Careers
  url: https://www.tal.com.au/about-us/careers
- type: Sitemap
  url: https://www.tal.com.au/sitemap.xml
- type: LinkedIn
  url: https://www.linkedin.com/company/tal-australia
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com