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