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

Life Insurance

NobleOak has been protecting Australians for over 140 years.
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Customers rate us 4.6
Based on 268 Service Ratings over the past year
Customers rate us 4.6

Some key features of our Life Insurance

With Life Insurance, NobleOak provides cover in case you die or become terminally ill, helping to clear debts and support your family.

Award winning Life Insurance

Our vision is to better protect Australians and their families, by providing more affordable, fully underwritten Life Insurance.

Peace of mind regarding funeral expenses

We'll quickly advance $15,000 of your cover amount to assist with funeral expenses.

Fully underwritten and tailored by you

We take the time to know you upfront. Your cover is fully underwritten and tailored by you. This gives you more certainty at claim time.

Protecting Australians for over 140 years

One of Australia's longest standing Life Insurers with a heritage dating back over 140 years.

How much Life Insurance can I apply for?

Australian residents between the ages of 16 and 69 can apply for up to $15,000,000 in cover.

Maximum Cover Level

$15,000,000

Maximum Entry Age

69 years old

Guaranteed Renewable Age

99 years old

Terminal Illness Benefit

Yes

What does our Life Insurance cover provide?

If you die while covered for Life Insurance, NobleOak will pay the agreed cover amount as a lump sum to your nominated beneficiaries or estate.

You can apply for cover up to $15 million, although higher amounts will be considered where it can be justified.

NobleOak will quickly advance $15,000 of your cover amount to assist with funeral expenses, upon evidence of age and receipt of the death certificate.

If you become terminally ill, NobleOak will advance the Death Benefit cover amount instead of paying the Death Benefit when you die.

To be eligible for this payment:

  • You must be diagnosed as being terminally ill by two Medical Practitioners, one of which is a specialist practising in an area related to the illness or injury suffered by you; and
  • Their joint or separate diagnoses certify that you are suffering from an illness, or have incurred an injury, that is likely to result in death within 24 months of their certification.

We understand that you or your estate may need some professional advice to ensure that the proceeds of a death or terminal illness claim payment are managed appropriately. That is why we will reimburse the cost of engaging a qualified financial adviser, up to $2,000, to prepare a financial plan if we pay a benefit in excess of $200,000 for death or terminal illness.

We understand that your death or diagnosis with a terminal illness can be a very emotional time. That is why we will reimburse the cost of grief counselling services for you, your spouse or your partner, up to $1,000, if we pay a benefit for death or terminal illness.

You can fix the cost of your cover at any time by writing to us with a request to freeze the premium amount. This means that:

  • Your future premiums will be fixed at the amount you were paying on the date of notification
  • Each year your cover amount will be adjusted to the amount of cover that can be purchased for the frozen premium.

You can write to us at any time to end the Premium Freeze Benefit and the premium freeze will end on the next anniversary of your cover.

You can increase your cover amount by the lesser of $100,000 or 20% of the original cover amount without the need to provide further medical evidence if one of the following allowable events occurs:

  • You take out or increase a mortgage on your primary place of residence
  • You marry, register a partnership, or commence a de facto relationship recognised at law
  • You or your partner gives birth to or adopts a child
  • Your child starts secondary school
  • Your spouse dies
  • You get divorced

Policies, terms and conditions vary between Insurance Providers, so it’s always advised to read the Product Disclosure Statement (PDS) and compare covers before you apply for Life Insurance.

Download the Product Disclosure Statement (PDS)

We believe Australians deserve better

Why choose NobleOak Life Insurance?

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 Life
Insurance, tailored by you. 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 great value,
comprehensive Life Insurance.

Award winning

We are the only Life Insurer to win the Canstar Outstanding Value Award for Direct Life Insurance in six consecutive years from 2016 to 2021.

Australia's most awarded Direct Life Insurer 2020

Our outstanding value products and personal service has resulted in us being the most awarded Direct Life Insurer in 2020.
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Other NobleOak products to consider

Income Protection Insurance

Receive regular payments to replace some of your income if you suffer an accident or injury and can no longer work.

TPD Insurance

Receive a lump sum payment if you become permanently disabled as a result of a sickness or injury and are unable to return to work.

Trauma Insurance

Receive a lump sum payment to assist with your recovery if you are diagnosed with one of 37 serious medical conditions listed in our PDS.

Tools and guides

Find out how much Life Insurance and Income Protection cover you may need.

Life Insurance Calculator

Calculate how much cover you may need to protect you and your family.

Life Insurance Guides

Explore information about the value of Life Insurance for key life stages from starting out as a young adult, to downsizing and retiring.

Help protect your family with
NobleOak, Australia's most awarded
Direct Life Insurer 2020

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