# TAL

**Canonical:** https://apis.io/providers/tal-australia/  
**Website:** https://www.tal.com.au/  
**APIs profiled:** 3

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.

## Kin Score — 22.9 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (-2.1 from 25.0).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Insurance**: 57.6 (matched via tags).

## Agent readiness — 12.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (3)

- **TAL Partner Identity** — 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...
- **TAL Group Life B2B (glsb2b)** — 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...
- **TAL Underwriting Rules Engine (URE) GraphQL** — 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 subscriptio...

## Security (2)

- **Tal Australia Authentication** — openIdConnect/oauth2/http · 5 schemes
- **Tal Australia Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, Australia, Life Insurance, Income Protection, Group Insurance, Superannuation, Underwriting, Claims, Carrier, Embedded Insurance, Partner Gated, No Public API, OpenID Connect, GraphQL, Identity

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tal-australia/). Scores are computed from the provider's own public artifacts under a published rubric.