NobleOak remain committed to our clients during this uncertain time and we’re proud take part in the FSC COVID-19 initiative to support frontline healthcare workers

NobleOak remain committed to our clients during this uncertain time and we’re proud take part in the FSC COVID-19 initiative to support frontline healthcare workers

Why is there a waiting period for Income Protection?

Why is there a waiting period for Income Protection?

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Most people have some sick leave available, savings or some other type of support that can help them manage through the initial period of sickness or injury. With NobleOak Disability Income Insurance you can choose a Waiting Period of either 30 days or 90 days before you are eligible to receive benefits. Choosing the longer Waiting Period reduces your premiums.

For example, Daphne’s a fit and healthy 30-year-old primary school teacher who rarely gets sick and accrues unused paid sick leave. She also has regular term holidays and an emergency savings account that gives her peace of mind if something unforeseen comes up. To keep her Disability Income premiums to a minimum, Daphne has chosen the longer waiting period of 90 days, confident that she will only need benefits to be paid if she is disabled for more than 3 months.

4 Reasons to choose NobleOak

While we are very proud of the cover we provide, a simple belief in 'doing the right thing' sets us apart.

Low premiums

At NobleOak, you buy directly from us,
so you don't pay for
unnecessary overheads.

Fully underwritten insurance

We only offer fully underwritten cover.
This minimises the risk of unforeseen delays
or surprises in the event of a claim.

Simple & straightforward

We aim to avoid overly complex terms.
We simply provide a range of great value,
comprehensive cover options.

Award winning cover

We are the only Life Insurer to win the Canstar Outstanding Value Award for Direct Life Insurance for seven consecutive years from 2016 to 2022.

Help protect your family with
NobleOak, Australia's most awarded
Direct Life Insurer 2021

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