What we believe

We believe Australians deserve better
We believe that for many of us, Life Insurance is a need, not a want. And for too long you’ve had to pay too much for quality cover to protect yourself and your family. Not anymore.

We believe you should feel confident at claim time
We believe insurance should be done right from the start, and you should know what you are covered for. We ask you a few more questions up-front, so you have greater certainty at claim time.

We believe in keeping you happy
We don’t pay high upfront commissions to advisers and limit our marketing costs, so we can provide better personal service, secure cover and lower premiums. It’s not rhetoric. We really do put you first.

We believe in a good night’s sleep
What we do isn’t rocket science and our products have no hidden clauses or tricks. We provide great value, comprehensive Life and Income Protection cover so you can sleep more comfortably at night.

Lower premiums

Our clients save an average of 20%* compared to other Life products when purchasing through NobleOak.

  1. No advice commissions when you buy direct
    We do not provide personal advice with our products if you buy directly through us, and therefore we don’t charge for it.
  2. Savings passed to you
    NobleOak does not invest in television advertising or large sponsorships, and passes savings back to our clients through reduced premiums.
  3. Tailored cover
    Only pay for the covers you need. You can select from Life, TPD, and Trauma (offered with a Life policy), Income Protection or Business Expenses cover.
Find out more

No upfront
commissions

Large cover
discounts

Low
overheads

Your
Saving
20%*

Low overheads

NobleOak does not invest in mass television marketing or large national sponsorships. We distribute our covers through selected alliance partners, advisers or directly to you. We pass savings back to our clients and members through lower premiums.

Large cover discounts

In addition to our competitive NobleOak rates, we offer further discounts on larger amounts of cover, saving you even more.

No upfront commissions

NobleOak does not pay large upfront commissions to financial advisers. If you purchase through an adviser we offer level commission only. If you buy directly through us, we do not provide personal advice with our products, and therefore we don’t charge for it.

Secure cover

Our clients enjoy the security of 137 years’ experience.

  1. Quality comprehensive products – like those offered by advisers
    Our products are sold directly to the public or through selected advisers and Partners, so you know that the cover stacks up with the bigger brands.
  2. Local products with global backing
    We are regulated by APRA and hold an AFSL issued by ASIC. NobleOak Life products are protected by a global reinsurer, Hannover Life Re.
  3. Independently reviewed
    The matrix below is an extract from the Plan for Life Direct Insurance Report 2015 ©. It clearly illustrates that NobleOak’s (Premium Life Direct) Life cover is a leader with respect to features and price.

    Click here for the Life insurance comparison matrix
Find out more

Comprehensive
cover

Fully underwritten

Global backing

Comprehensive cover

NobleOak’s products are comprehensive and straight forward. There are no tricks. Our Life insurance cover has one standard “exclusion” only. This means you are covered for your death, irrespective of how you passed away, with one exception only - if you committed suicide in the first 13 months of the policy. Other exclusions may apply to some applicants depending on their health, occupation and pastimes, however these will be confirmed before taking out the cover.

Fully underwritten

All NobleOak Life and Income Protection covers are fully underwritten. This allows our clients to make a claim efficiently and with greater certainty. “Fully underwritten” means we ask you about your health and lifestyle when you apply for the cover, and tailor your cover and premium to the answers provided. As long as you provide honest and complete answers when you apply, your cover will not be subject to additional verification of your answers at claim time.

Global backing

NobleOak is one of Australia’s oldest life insurers, established in 1877. NobleOak’s insurances are backed by the third largest global re-insurer, Hannover Life Re for that extra security.

Personal service

Our clients enjoy top rated Australian-based personal service.

  1. Local personal service
    NobleOak is an Australian company with an Australian-based service team. We answer the phone quickly and diligently, to ensure you minimise your time waiting, and can have your request dealt with urgently.
  2. Award winning service
    NobleOak’s high standards of service delivery have been recognised via a highly acclaimed industry award (Plan for Life 2014).
  3. Simple and quick claims process
    Our reputation is dependent on excellent claims servicing, and we pride ourselves on paying genuine claims quickly. You will be assigned your own claims consultant to accelerate the claim process.

Images have been changed for privacy reasons.

Find out more

“Not only did I save over $200 per annum, but I significantly increased my insured payout. I received excellent service and my new policy was active in 48 hours.”

Ron R. (January 2016)

norman-bw

“I decided to move to NobleOak as I was able to get a higher amount of Life insurance with a saving of around $50 per month.”

Liz W. (May 2016)

Naomi-bw.2

“We’ve had Life cover for 20 years (3 kids and a mortgage), every year I’d shop around and every year no one could come close. Until now. My husband and I have saved over $1,000 for the same cover. Now we have peace of mind knowing we’re covered and are now paying less.”

Megan M. (May 2016)

diane-bw

“I had a great and re-assuring experience while applying for a new policy.”

Diego T. (May 2016)

Justin-bw

“To my surprise, their quote was $80.00 per month less than I was quoted from my previous insurance company. The customer service from NobleOak I could not fault. Everything promised was delivered and every question was answered. I am one very happy customer.”

Andrew D. (January 2016)

Ossi-bw

“Working with the Noble Oak claims department has been exceptionally easy, as the claim was paid very fast & the communication between myself & the claims manager was seamless. Not only is my client very happy with the outcome, he is now able to face future operations without the concern of any financial burden.”

Bruce M. (May 2015)

Craig-bw

What our clients think about us

NobleOak surveys our clients using an independent research firm Pureprofile, and here are the latest results:

98.5%

Service

98.5% of our clients felt that the service provided during the quotation and application process was ‘good’ or ‘excellent’ with 63% voting “excellent”.

98.5%

Satisfaction

98.5% of our clients felt that the service provided to date was ‘good’ or ‘excellent’.

95%

Recommended

95% of our clients would recommend
NobleOak to others.

“Not only did I save over $200 per annum, but I significantly increased my insured payout. I received excellent service and my new policy was active in 48 hours.”

Ron
(January 2016)

Dollarphotoclub_30941855

“I decided to move to Noble Oak as I was able to get a higher amount of Life insurance with a saving of around $50 per month.”

Liz
(May 2016)

Dollarphotoclub_82404264

“To my surprise, their quote was $80.00 per month less than I was quoted from my previous Insurance company. The customer service from NobleOak I could not fault. Everything promised was delivered and every question was answered. I am one very happy customer.”

Andrew
(January 2016)

Dollarphotoclub_8841921

“I had a great and re-assuring experience while applying for a new policy.”

Diego
(May 2016)

Dollarphotoclub_68804636

“We’ve had Life cover for 20 years (3 kids and a mortgage), every year I’d shop around and every year no one could come close. Until now. My husband and I have saved over $1,000 for the same cover. Now we have peace of mind knowing we’re covered and are now paying less.”

Megan
(May 2016)

Dollarphotoclub_47825576

“Working with the Noble Oak claims department has been exceptionally easy, as the claim was paid very fast & the communication between myself & the claims manager was seamless. Not only is my client very happy with the outcome, he is now able to face future operations without the concern of any financial burden”

Bruce
(May 2016)

Dollarphotoclub_65946987

Not sure what to do?

What Is your lifestage?

Singles

single

Secure your financial independence

Whether you’re a working professional, a recent school leaver, or a mature single, being independent means plenty of responsibility. If you were suddenly unable to work due to a severe accident or illness, how would you be able to manage your basic financial obligations, such as rent, mortgage payments or regular bills? Take control of your financial independence with Life insurance, TPD (Total and Permanent Disability) cover, Trauma cover and Income Protection insurance cover.

Couples

couple4

Plan your future with peace of mind protection

You may be considering starting a family or simply working and travelling the world together in search of life’s adventures. Don’t let a severe accident or illness derail your plans. Ensure you and your partner’s financial security with Life insurance, TPD (Total and Permanent Disability) cover, Trauma cover and Income Protection insurance cover. You can rest assured that your partner will be able to cope financially, particularly in the unthinkable event of your premature death, with the right Life insurance cover in place.

Young families

young-family

Cover for the ones you love most

Your children are your most valuable assets, so their futures are worth protecting. As a parent and a partner, the last thing you want is to leave your family vulnerable to any financial and emotional stress caused by your premature death, or a severe accident or illness. Keep your family safe and give them the ultimate peace of mind with insurance protection tailored to suit their needs. Ensure your family’s financial security with Life insurance, TPD (Total and Permanent Disability) cover, Trauma cover and Income Protection insurance cover.

Mature families

Mature_family

Peace of mind protection for when you need it most

When you’ve been managing life’s challenges for some time, it can be easy to forget the difficulties your family could face if you or your partner had a severe accident, became severely ill, or worse still, passed away. With more children relying on their parents and living at home into their 20s and 30s, the financial and emotional impact of a severe accident or illness, or the premature death of you or your partner, could be devastating for your whole family. Enjoy the peace of mind in knowing that your family will be financially secure in the event of an accident, severe illness, or the premature death of either one of you.

Empty nesters

empty

Reclaim your financial independence

Your children have left home – whether it’s to live on their own or start their own families. It’s time to reclaim your financial independence. With the right Life insurance, TPD (Total and Permanent Disability) cover, Trauma cover and Income Protection insurance cover in place, you and your partner can protect each other financially and emotionally in the event of a severe accident or illness occurring or the untimely death of either of you. After all, life is meant to start getting a bit easier after the child-raising years are behind you.

Seniors

seniors

Quality of life starts now

You’ve worked hard to build your retirement savings, so make sure you take the necessary steps to preserve your savings for your future or leave a legacy, by having the right level of Life insurance and Total and Permanent Disability (TPD) cover in place for you and your partner. You can apply for cover up to age 64, and Life cover is renewable up until age 99. Enjoy your retirement with the peace of mind that your family will be able to manage your medical bills in the event of a severe injury or illness, or clear any outstanding debts and cover funeral expenses if the unthinkable happens.

How much cover do I need?

Calculate the level and type of life insurance cover that is suitable to you.

Plus: Receive a Free Personalised report
Includes:

  • Your insurance needs
  • Your cover options
  •  Descriptions of all covers
ricewarner-hp

Independently verified by Rice Warner Actuaries (a leading independent provider
of research and actuarial advice to the Australian Financial Services Industry).

Did you know?

  • 1 in 3 Australians either have a disability or are likely to be close to someone who has a disability.¹
  • More than 1 in 5 families will be hit by an insurable event in their working lives.²
  • Each year around 55,000 Australians suffer a heart attack.³
  • 1 in 6 women and 1 in 4 men are expected to suffer from a disability from the age of 35 to 65 resulting in more than 6 months off work.²
1 Australian Network on Disability 2014
2 Lifewise Industry Facts
3 Heart Foundation, Australian Facts 2014

Some of our team

anthony_brown

Anthony
Chief Executive Officer

 “I’m very proud to be involved in NobleOak, offering Australians unmatched value and great quality Life insurance cover. We carefully select people to work at NobleOak that genuinely care about looking after clients.”

1

Steve
Chief Operating Officer

“NobleOak’s offer is attractive to a large number of Australians, particularly those that require high levels of cover without excessive built-in costs. We provide the same type of Life insurance and Income Protection cover available through brokers and advisers, directly to clients, at a lower cost.”

3

Phil
Chief Underwriter and Claims Manager

“After over 30 years’ experience in the life industry, it is refreshing working for NobleOak – they offer fully-underwritten cover. This means we ask the right questions before your policy starts, so you know what you are covered for. It also means that there will be greater certainty in the event of a claim.”

daniela-circle

Daniela
New Business and Client Servicing Manager

“At NobleOak, we put our clients first. We only recruit people that have a genuine desire to look after clients and provide them with true value.”

alex_round

Alex
Client and Claims Specialist

Serving our clients well and ensuring they access the information and help they need is what we do. We don’t rely on automated voice recordings or external call centres, preferring to answer the phones directly. We also minimise paperwork for our clients.”

kate_round

Kate
Sales and Client Support Team Lead

“I believe the quality of the NobleOak service team is second to none. The team is trained to provide the highest level of personal assistance. They complete your application for you over the phone, keep you up to date throughout the underwriting process, and even send a nurse to your home for blood tests if required.”

bernie_round

Bernie
Senior Sales & Client Support Representative

Life insurance in Australia has been traditionally sold by agents and planners in Australia. Our clients seem to relish in the opportunity to purchase the same quality cover directly through us – without the built-in advice commissions.”

james_round

James
Client and Claims Specialist

“We manage our claims very carefully during an often stressful and sad time. Having a dedicated claims consultant for each claim ensures our clients don’t get the run around and are confident they are getting the right result.”

anne_round

Anne
Client and Claims Specialist

NobleOak has a policy of putting our clients first, which is embedded throughout the organisation. It’s what we do. We are in the business to provide protection to Australians when they need it most.

Why get Life insurance?

The importance of Life cover

Choosing Life insurance is an important decision, often made when we experience a major life event, like taking on a mortgage and having children.

To decide whether you need Life insurance, simply ask yourself how the people who are dependant on you would survive financially if you were to pass away or become seriously ill or injured. That includes how household bills would be paid, and how any debts would be managed or extinguished.

Even if you do have some Life insurance in place already, is it enough for your family to be comfortable?

Some important facts to consider are:

During your lifetime, there’s a good chance you’ll need a hand at some stage. Here are some startling reminders why:

  • Australia’s unemployment rate grew 1% in the 5 years from 2008-2012 (ABS)
  • The number of adults participating in organised sport fell 1.6% between 2006-2010 (ABS)
  • The weekly mean housing cost for mortgage-owners was $408 in 2010 (ABS)
  • The weekly mean housing cost for private renters was $305 in 2010 (ABS)

Secure your future now

Disclaimer​

∗The savings quoted are the average of the savings when comparing NobleOak’s premiums for its Term Life cover under NobleOak’s Premium Life Direct product to the average cost of Term Life insurance products offered by other life insurance companies, including products available directly from the insurer and those available for purchase through a financial adviser or broker.  The premiums are based on a non- smoker with a Life insurance sum insured of $500,000 at 5 year age bands from age 20 to 65 for advised products and 20 to 55 for direct products. Your age, occupation, gender, sum insured, smoker status, and health will determine the premium amount charged by NobleOak.  Life insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome.  The premium comparison was undertaken on November 2015 based on published premium rates.  Readers may obtain a quote from NobleOak by contacting on 1300 041 494. Please see the tab – What it costs for further information.​

Legal notice

The insurance product and premium information contained on this website is of a general nature only and does not take into consideration your objectives, financial situation or needs. Readers should consider this information having regard to your objectives, financial situation and needs. People who seek to replace an existing Life insurance policy should consider their circumstances including continuing the existing cover until the replacement policy is issued and cover confirmed.Readers may contact NobleOak for further general information, a premium quotation and to apply for cover. NobleOak cannot provide readers with advice, however our staff may provide general information about the NobleOak Life insurance products. Readers should also consider the Product Disclosure Statement (PDS) for the product they are considering. The PDS sets out the terms and conditions for the insurance cover so you can consider whether this product is right for you. This is available by calling NobleOak on 1300 041 494 or from www.nobleoak.com.au.

NobleOak Life Limited ABN 85 087 648 708 AFS Licence AFSL 247302 Level 2, 89 York Street, Sydney, NSW-2000.