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Award winning Life Insurance

Life Cover (also called Term Life) pays a benefit for death and terminal illness, helping to provide for your family if something happens to you.

With NobleOak, you can access high cover levels (up to $15 million) that are usually only available through financial advisers.

The difference is you’re buying Life Cover directly from us, so you don’t pay upfront commissions and save an average of 20%* on your premiums.

It’s the smart way to buy comprehensive Life Insurance, backed by outstanding personal service.




Life Cover features

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.

Low premiums

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.

Grief counselling and financial advice benefit

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.

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.

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.

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.

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).

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, apply immediately either over the phone or at a time that suits you.

Step 3. Get covered

We’ll assess your application. If you need to have some medical tests we’ll pay for it and keep you updated during the whole process.


Frequently Asked Questions

Find out more about our award winning Life Insurance, from initial quote through to claims, we’re with you all the way.


What is Life Cover?

Life Cover pays a lump sum amount if the insured person dies or becomes terminally ill. This money can be used to eliminate debt, pay any medical and funeral expenses and provide for the ongoing needs of any dependants.

How does Life Cover work?

You can apply for Life Cover as stand-alone cover, or package it up with other cover types – including Income Protection, Total and Permanent Disability (TPD) Insurance and Trauma Insurance. Once you’re accepted for Life Cover, we guarantee to renew your cover up to 99, as long as your premiums are paid.

How is my premium calculated?

Your premium is calculated based on your age and gender, level of cover, and your answers to the health and lifestyle questions we ask when you apply. It’s tailored to you, so you don’t have to worry about paying more to compensate for other people’s risks.

What details do I need to provide to assist with the application process?

If you have copies of any of your recent medical records or, blood test results and details of any prescription medicines you are taking, this will speed up the application and assessment process. Many clients are able to answer all of the questions in our application without additional requirements.

Are there any pre-existing condition exclusions in my cover that could come out at claim time?

No, all NobleOak applications are fully underwritten at the time you take the cover out.

As long as you fully and correctly disclose your medical history and other details in the application, your claim will be assessed based on this information and processed efficiently. Apart from the industry standard 13 month suicide exclusion, there are no other pre-built in exclusions in NobleOak Life Insurance.

If any Special Acceptance Terms are imposed on your cover, we tell you about these at the time of your initial assessment (underwriting stage) and formally agree these with you prior to issuing your cover. We firmly believe this is the best way to provide Life Insurance as it provides more certainty and clarity for you and your family.


Let’s get started

Request a quote or book a time to speak with one of our friendly insurance specialists and start saving with NobleOak today.




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