NobleOak has been around for 140 years finding better ways to protect Australians just like you. You’ll receive comprehensive cover at a competitive price with no surprises at claim time.
You’ll save an average of 20%* depending on your level of cover compared to buying cover through an adviser or other direct insurers. When you choose NobleOak, you’re choosing a trusted award winning insurer with experience and client service that’s second to none.
Life Cover features
We’ve designed our Life Insurance features to provide you with cover that’s tailored to your needs.
NobleOak has won Canstar’s Direct Life Insurance Award in 2017 and 2016. We’re the only direct Life insurer to have ever achieved a maximum 5-Star rating in all 20 consumer profiles for Life Cover in consecutive years.
High cover levels
You can apply for up to $15 million of cover for death and terminal illness, without having to go through a financial adviser. That’s much higher than most direct insurers.
We don’t pay fees or upfront commissions to advisers. That means you’ll save 20%* on average compared to other insurers.
Fully underwritten ‘no surprises’ cover
We take the time to get to know you upfront, so we can tailor your cover and premium. Giving you more certainty at claim time.
Terminal illness included
We will pay a benefit up to the Life Cover sum insured to a maximum of $3 million if you are diagnosed with a terminal illness, allowing you to access your insurance benefits immediately.
Cover while you wait
We provide Interim Accidental Death cover (up to $1 million) at no additional cost during the application assessment period. This cover starts as soon as we receive a completed application for Life Cover.
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Grief counselling and financial advice
On top of your claim payment, we’ll reimburse you or your partner up to $1,000 for grief counselling, and up to $2,000 for financial advice, to help navigate a path forward. This is available when you take out $200,000 or more of cover.
Apply over the phone
No one likes filling in long forms. That’s why we offer an easy application process over the phone, taking on average 20 mins.
Backed by a global reinsurer
Our Life Insurance products are backed by a leading global re-insurer, Hannover Life Re. In 2016, Hannover Life Re paid out globally over $7.7 billion^ for Life and Health Insurance claims (and related expenses).
Dedicated claims support
If you or your family make a claim with NobleOak, you’ll be dealing with a friendly, Australia-based claims consultant from start to finish. We’re here to make the process easy for you.
“It was very reassuring and effective. I replaced 2 separate policies of $100k each with the NobleOak cover of $200k. And I saved over $100 a month in doing so. Very pleased and satisfied”
Brendan B. January 2017
Compare Life Insurance
At NobleOak we’re committed to providing our clients with high quality Life Insurance and independent comparison research reflects this.
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.
Who can apply
Australian residents between the ages of 16 and 69 can apply for NobleOak Life Cover.
Get covered in 3 simple steps
Step 1. Get a quote
One of NobleOak’s friendly insurance specialists will give you an obligation free Life Insurance quote over the phone.
Step 2. Apply
If you’re happy with the quote, you can apply immediately either over the phone or book a time for a call back.
Step 3. Get covered
We’ll assess your application. If you need medical tests we’ll pay for them and update you during the process.
Please note initial quotes are indicative only and relate to our My Protection Plan product – click here to obtain the Product Disclosure Statement. Your age, occupation, pastimes, gender, sum insured, smoker status and health will determine the actual premium amount charged by NobleOak and the actual savings to comparable products. Please contact NobleOak to verify your actual premium and to apply for cover on 1300 041 494.
The savings quoted are the average savings when comparing NobleOak’s My Protection Plan cover to the average cost of Term Life insurance products offered by other direct Life insurers and cover available through a financial adviser or broker. The premiums are based on a non-smoking Australian resident with a 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. Life insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome. The premium comparison was undertaken in March 2018 based on published premium rates.