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Life Insurance the way it’s meant to be
Protect yourself and your family with NobleOak, an Australian independent Life Insurer with over 140 years of experience. We offer life insurance the way it is meant to be, combining quality, no-surprises cover with personal service and lower premiums. And we’re proud of it.
No Advisers
At NobleOak, you buy direct from your insurer. That means that you are not paying commissions to an Adviser.
No Surprises
We only offer fully underwritten life insurance, tailored to you. That minimises the risk of unforeseen delays or surprises in the event of a claim.
No Bull Life Insurance
We’re the only insurer to have won a 5-Star Canstar Rating for ‘Outstanding Value – Direct Life Insurance’ four years running.
Life Insurance Company of the Year
NobleOak has won two more prestigious awards. Life Insurance Company of the Year at the RFi Group Australian Insurance Awards for 2018 and the Strategic Insight – Overall Direct Life Insurance Excellence Award for 2018.
GET A QUOTE
Life
Protect the financial security of your loved ones if you die or are diagnosed with a terminal illness. Up to $15 million of cover available.
Income Protection
Insurance
Protect your income if you become ill or injured and can’t work. Provides up to 75% of your income (up to $25,000 per month as per the PDS).
Total & Permanent
Disablement (TPD) Insurance
Protect yourself and your family from financial stress if you’re permanently disabled and unable to work. Up to $5 million cover available.
Trauma (Critical Illness)
Insurance
Focus on your recovery if you suffer from a critical illness. 38 conditions are covered, including cancer, heart attack and stroke.
SMSF Life
Insurance
Our Life and TPD cover can be purchased within your SMSF if preferred. It’s flexible and cost effective.
Business Expenses
Insurance
Keep your business running if you can’t work due to illness or injury. Provides protection for fixed business expenses up to $25,000 per month, as per the PDS.
The most awarded Direct Life Insurer of 2018
NobleOak has won nine awards in 2018 for outstanding value, product excellence, customer service, and innovation. Feel secure by getting cover with the most award-winning direct Life Insurer of 2018. Find out more about our awards from 2016, 2017, 2018 and 2019.
What We Believe
While we are very proud of the cover we provide, a simple belief in “doing the right thing” also sets us apart.
We believe Australians deserve better
We believe that for many of us, Life Insurance is a need, not a want. You no longer have to pay too much to protect yourself or your family.
We believe you should feel confident
We ask a few more questions at application time, so you know what you’re covered for. This gives more certainty when it comes to claim time.
We believe in keeping you happy
We don’t pay high upfront commissions to middlemen, so we can provide better service and secure cover at lower premiums.
We believe in a good night’s sleep
Our products have no hidden clauses or tricks. We provide great value comprehensive cover, so you can sleep more comfortably.
What Our Clients Say
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Affordable insurance and fast friendly service.
Darren J
,
11 December 2019
I was kept up to date through the whole process, very friendly service.
Karen L
,
27 March 2019
Their Customer Service was first rate. Everyone I dealt with through the application process was fabulous. They kept me informed every step of the way and I didn't need to follow up on anything. Very impressed. Would thoroughly recommend them.
Phyllis K
, SA
26 March 2019
Great to deal with. Kept me in the loop throughout the whole process. Good level of communication and I made significant savings on my life insurance premiums over the competitors.
Paul A
,
11 March 2019
Excellent customer service. The process to buy Income Protection Insurance was very easy and the customer service team very helpful and knowledgeable. After I had applied I requested some additional information which was sent to me within a day. That's great customer service to have a good response time even after the initial sale had been made by Noble Oak.
Leo
,
4 March 2019
Your representative was patient, concise, understanding and above all very pleasant to speak and deal with. It was his influence that had me convinced to proceed with your product.
Keith G
,
27 February 2019
Excellent to deaf customers. They communicate well to deaf customers by using sms texts and emails. Other companies just ring my number all day long.
Ronald F
,
26 February 2019
Great service. The customer service is great. They are friendly and very helpful and it was a pleasure dealing with them.
Annette M
,
20 February 2019
I am very pleased with Noble Oak and the ease with which the transaction was finalised. I wouldn't hesitate to use them again or to recommend them to my family and friends.
Roberto F
,
6 February 2019
Each phone call and email was answered by a person who knew the answers to my queries very polite and courteous at all times.
Craig T
,
24 January 2019
Very helpful, informative and great communication. I’m very happy to have been approved into the Noble Oak community Happy customer that’s me!
Dianne M
,
16 January 2019
It's good for elderly people. Quite affordable and good conditions.
Vaulina B
,
19 December 2018
Great service, honest advice, prompt follow up, extremely competitive premium and deal. Thanks Noble Oak.
Vijay C
,
23 November 2018
Superb and excellent! The premium is much lower compared to the others. The process of getting their insurance is fast and well coordinated.
Brian
,
21 November 2018
They were helpful, friendly and nothing seemed to be an issue for them even when I needed to amend some of the questions on the proposal. I received phone calls to advise of the next step and the Nurse that came to our house on a weekend was so friendly and professional in her duties.
Paul J
,
20 November 2018
Fantastic customer service, competitive costs for income protection attracted me to switch over from other insurance. Follow up by NobleOak team including approval of quote is excellent and made me comfortable and happy. Highly recommend this income protection policy.
Girija P
,
15 November 2018
Was a quick and easy process. Price is a lot cheaper than other providers.
Margaret C
, NT
31 July 2018
Very professional, helpful and friendly service. My new life insurance policy was processed efficiently and I was contacted during each step of the process.
Susan C
, WA
26 July 2018
Fantastic customer service and the explanation of the product was clear and concise. Value for money.
Adrian T
, NSW
26 July 2018
They are good service, picked up my calling quickly and patient, and cheaper than other company.
Jasmine M
, NSW
19 July 2018
NobleOak In The Media
Our Latest Campaign
NobleOak has just launched a new targeted advertising campaign. View it here.
Life Insurance Simplified - Our Blog
If you’ve scrolled this far, you may be interested in these topics.
NobleOak Makes History Again with Fourth Canstar Award for Direct Life Insurance
NobleOak Wins Fourth Consecutive Canstar Direct Income Protection Award
Life Insurance Brings Happiness l NobleOak Blog
Quality Over Speed More Important With Life Insurance
The Importance of Life Insurance for Married Couples
How do I compare Income Protection Insurance policies?
Terms and Conditions
View T&C's*Average Saving on Life Cover
The 20% savings quoted are the average 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 (8 products included in this comparison) and those available for purchase through a financial adviser or broker (7 products included in this comparison).
Based on premium rates available at May 2019, Strategic Insight has calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 45% lower than other comparable Direct Offerings (using an analysis of 8 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60).
Strategic Insight has also calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 12% lower than Advised Offerings (using an analysis of 7 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60 for Advised products).
Life Insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome.
Strategic Insight (Actuaries and Researchers) is the leading independent supplier of Australian Life Insurance and Managed Funds market information, relied upon for over 20 years by the leading life offices, analysts, dealer groups and government bodies.
If you wish to see the comparison tables and how our premiums compare to Direct and Advised products, please click here.
^Combined Cover - Two Months Free Offer
This offer is available if you apply for cover before 9.00pm on 29 August 2019. If you apply for two or more cover types on or before 29 August 2019 and are issued with two or more covers, you will not start paying premiums for each cover respectively, until two months after the commencement date of the relevant covers. If you apply for one or more cover types on or before 9.00pm on 29 August 2019 and are issued with only one type of cover, or if you apply for and take out two or more covers but cancel any cover(s) within the first month so that only one cover remains current, you will not start paying premiums on the remaining cover until one month after the commencement date of that cover. This offer applies for all completed applications received by 9.00pm on 29 August 2019. This offer is available once only per new customer and may not be used in conjunction with any other offer.
*Average Saving on Life Cover
The 20% savings quoted are the average 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 (8 products included in this comparison) and those available for purchase through a financial adviser or broker (7 products included in this comparison).
Based on premium rates available at May 2019, Strategic Insight has calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 45% lower than other comparable Direct Offerings (using an analysis of 8 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60).
Strategic Insight has also calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 12% lower than Advised Offerings (using an analysis of 7 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60 for Advised products).
Life Insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome.
Strategic Insight (Actuaries and Researchers) is the leading independent supplier of Australian Life Insurance and Managed Funds market information, relied upon for over 20 years by the leading life offices, analysts, dealer groups and government bodies.
If you wish to see the comparison tables and how our premiums compare to Direct and Advised products, please click here.
^Combined Cover - Two Months Free Offer
This offer is available if you apply for cover before 9.00pm on 29 August 2019. If you apply for two or more cover types on or before 29 August 2019 and are issued with two or more covers, you will not start paying premiums for each cover respectively, until two months after the commencement date of the relevant covers. If you apply for one or more cover types on or before 9.00pm on 29 August 2019 and are issued with only one type of cover, or if you apply for and take out two or more covers but cancel any cover(s) within the first month so that only one cover remains current, you will not start paying premiums on the remaining cover until one month after the commencement date of that cover. This offer applies for all completed applications received by 9.00pm on 29 August 2019. This offer is available once only per new customer and may not be used in conjunction with any other offer.