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 deal directly with us, your insurer. And that means your life insurance premium can cost, on average, 20% less*.

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’ three years running.

Receive Two Months Free*

Take out Life Insurance and add Income Protection, TPD or Trauma cover and receive the first two months free for each cover type taken. Receive the first month free, if one cover is taken.

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
Cover

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.

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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).

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Total & Permanent
Disability (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.

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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.

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SMSF Life
Insurance

Our Life and TPD cover can be purchased within your SMSF if preferred. It’s flexible and cost effective.

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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.

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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 and 2018. 

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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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
Great service. All my questions were answered promptly and he explained the product in an easy to understand way. I'm very happy with my life insurance purchase.
Carolyn C
, NSW
18 July 2018
Very professional and very clear explaining the policy. Staff are very polite. It was a real pleasure to work out a policy with them.
Michelle L
, NSW
17 July 2018
Mark was very professional and thorough. The end result was an excellent deal for my Life Insurance. I would highly recommend Noble Oak.
Peter C
, VIC
16 July 2018
They were very friendly and had good knowledge of their services that they are providing.
Vidhee P
, VIC
2 July 2018
Quick and easy! Professional, knowledgeable, helpful and friendly staff member. All questions answered and I was not left in doubt.
Rosemary S
, WA
30 June 2018
Very personable staff and dealing with the same people throughout the process. They all communicated clearly and regularly. Advice was always accurate.
Paul H
, WA
22 June 2018
Excellent, professional service. Proactive, efficient and a pleasure to deal with.
Goran A
, ACT
19 June 2018
The process was seamless from end-to-end. I saved a lot on my premiums and will be recommending to friends and family.
Sebastian P
, NSW
12 June 2018
I would like to thank your staff that dealt with me, they were knowledgeable, friendly, patient and helpful and were easy to understand. Great service.
Joseph B
, NSW
12 June 2018
Actually consider a case on it's merits instead of a blanket 'no'. Also very affordable.
Joanne P
, WA
12 June 2018
Good, clear information from friendly people at the other end of the line.
Osvaldo M
, QLD
7 June 2018
Excellent service, excellent client value awareness, very thorough, affordability is unmatched.
Richard O
, QLD
7 June 2018
The service and friendly staff made this whole experience pleasurable. The policy seems to have all I needed included. Thank you again for all your help.
Gail H
, QLD
3 June 2018
Very customer focused and clarifying questions along the way. I switched and saved quite an amount.
Sanjay B
, NSW
3 June 2018
I would like to recommend NobleOak for a professional, knowledgeable, personalised and friendly approach. The premium is very competitive in comparison to other companies for the same product.
Grace S
, VIC
1 June 2018
Friendly personnel, the questions were quick and without fixed answers that didn’t match my circumstances. The fact that all the documents were emailed to me immediately to review before I decided to go ahead was fantastic.
Lynda A
, QLD
20 May 2018

NobleOak In The Media

Life Insurance Simplified - Our Blog

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*Terms and Conditions

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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 31 October 2018, 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 50).

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 7th December 2018. If you take out two or more cover types you will not start paying premiums until two months after the earliest commencement date of the relevant cover. If you take out only one type of cover, or if you take out two or more covers, but cancel any cover within the first month, you will not start paying premiums on the remaining cover/s until one month after the commencement date of the cover. This offer applies for all applications received by 7th December 2018. This offer is available once only per new customer and may not be used in conjunction with any other offer.

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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 31 October 2018, 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 50).

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 7th December 2018. If you take out two or more cover types you will not start paying premiums until two months after the earliest commencement date of the relevant cover. If you take out only one type of cover, or if you take out two or more covers, but cancel any cover within the first month, you will not start paying premiums on the remaining cover/s until one month after the commencement date of the cover. This offer applies for all applications received by 7th December 2018. This offer is available once only per new customer and may not be used in conjunction with any other offer.