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Customers rate us 4.6 Based on 422 service ratings over the past year


COVID-19 is not excluded from our policies

Here is some useful information for you – Coronavirus (COVID-19) – Protecting Our Clients

NobleOak is proud to take part in the FSC COVID-19 initiative to support frontline healthcare workers. Full details of the initiative can be found on the FSC website here.

Australia’s most awarded Direct Life Insurer 2020

Life Insurance

$15 million maximum cover level on award-winning Life Insurance.
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Income Protection Insurance

Comprehensive Income Protection. Insure up to 75% of your pre-tax income, to a maximum benefit of $25,000 per month.
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Total & Permanent Disablement 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.
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Life Insurance the way it’s meant to be…

Low Premiums

At NobleOak, you buy direct
from your insurer. That means you are not paying commissions.

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.

Award Winning

We are the only insurer to win the Canstar Outstanding Value Award for our Premium Life Direct Life Insurance’ category in five consecutive years from 2016-2020.

Life Insurance Company of the Year and Direct Life Insurance Excellence Awards

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 2019.

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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 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.

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 a range of Term Life insurance products offered by a number of other Life Insurance companies, including products available directly from the insurer (6 products included in this comparison) and those available for purchase through a financial adviser or broker (6 products included in this comparison).

Based on premium rates available as at April 2020, Plan for Life has calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 46% lower than other comparable Direct Offerings (using an analysis of 6 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).

Plan for Life has also calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 10% lower than Advised Offerings (using an analysis of 6 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.

Plan for Life (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.

Product Disclosure Statement

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Life Insurance Calculator

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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 a range of Term Life insurance products offered by a number of other Life Insurance companies, including products available directly from the insurer (6 products included in this comparison) and those available for purchase through a financial adviser or broker (6 products included in this comparison).

Based on premium rates available as at April 2020, Plan for Life has calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 46% lower than other comparable Direct Offerings (using an analysis of 6 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).

Plan for Life has also calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 10% lower than Advised Offerings (using an analysis of 6 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.

Plan for Life (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.