Life Insurance for Doctors

Save 22%* on average on your premiums with our multi-award winning Life Insurance.

Get Your First Month Free

Key features

  • Cover up to $15,000,000+

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

  • Pay no adviser fees

  • $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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At NobleOak, we’ve designed our Life Insurance cover to provide you with fully underwritten comprehensive cover that’s tailored to your individual needs so you know exactly what you are covered for.

We truly believe in looking after our clients with 100% payment history for all legitimate claims. We don’t pay high upfront commissions to advisers and limit our costs, so we can provide better personal service, quality cover and lower premiums direct to you. We put you first, always.

Award-winning cover

NobleOak has won the prestigious Canstar Outstanding Value Award for the three consecutive years. We’re the only direct Life Insurer to win three awards for outstanding value three years in a row for Direct Life Insurance – 2016, 2017 and now 2018.

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 when you purchase cover directly through us. That means you’ll save 22%* 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).

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.

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.

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.

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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.



  • + Your Quote
  • + *Average saving on Life Cover – Campaigns
  • + **First month cover free
  • + ~Funeral Advance Benefit
  • + ^Hannover Life Re Life and Health Insurance claims
  • + Premium Life Direct: Legal Statements