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On 7 April 2016, the Court of Appeal overturned the trial judge’s decision in TAL Life & Anor v Shuetrim, a life insurance claim by a former police officer. The Court held that the question of whether the plaintiff was ‘unlikely ever’ to engage in gainful work for which he was reasonably qualified by education, training or experience in the total and permanent disablement definition commonly found in many group life insurance policies obtained by superannuation trustees was to be interpreted as meaning ‘no real chance’, a more onerous test than satisfaction on the balance of probabilities which had been applied in previous first instance decisions. Stephen Walsh appeared for TAL led by Ian Jackman SC