Life Insurance

Save 20%* on average on your premiums with our Award-Winning Life Insurance.

Get a Life Insurance Quote

Key features

  • Winner 2017 & 2016 Canstar Direct Life Insurance Awards

  • Cover up to $15,000,000+

  • Terminal Illness Benefit up to $3,000,000

  • $15,000 Funeral Advance Benefit~

  • $2,000 Financial Advice Benefit

  • $1,000 Grief Counselling Benefit

  • Fully underwritten cover means there are ‘no surprises’ at claim time

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

With NobleOak, you can access up to $15 million in cover, a level of cover usually only available through financial advisers. The difference is you’re buying Life Cover directly from the insurer, so you don’t pay upfront commissions saving 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

We’ve designed our Life Insurance features to provide you with cover that’s tailored to your needs.

Award-winning cover

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.

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.

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.

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).

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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.


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.


Life Insurance Comparison

The Life Insurance cover provided through NobleOak’s Premium Life Direct has been independently reviewed by Strategic Insight. The matrix above is an extract from the Strategic Insight Direct Insurance Report 2017©. It clearly illustrates that NobleOak’s Life Cover is a market leader with respect to price and features when compared to other Life Insurance available directly.

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.


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 bundle it up with other cover types – including Income Protection Insurance, 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, occupation, 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.

Get a Life Insurance Quote



  • + *Average saving on Life Cover
  • + **First month cover free
  • + Strategic Insight Life Insurance Comparator
  • + Funeral Advance Benefit~
  • + ^Hannover Life Re Life and Health Insurance claims