Why is Life insurance cover for me?

How would you look after your partner, plan for the future, and manage mounting household and medical expenses if you or your partner were to become severely injured or ill, or the unthinkable happened and one of you passed away prematurely?

We’ve taken the time to think about what could happen, so you don’t have to.

Selecting your Life insurance cover

With our comprehensive Life insurance cover options for couples, you can rest assured that your future financial decisions like buying a house, starting a family and travelling, are secured in the event that a severe injury or illness tries to derail you from your major life plans.

With lump sum payments for Life insurance up to $15 million , Total and Permanent Disability cover up to $3 million, Trauma cover up to $2 million and also Income Protection and Business Expenses insurance monthly benefits each for up to $25,000 (per month) , you can both stop worrying about life’s uncertainties and enjoy all the good times ahead.

Comprehensive cover package for couples

Cover type

Benefits

Helps cover

How to get covered

Life insurance

  • Provides up to $15 million of cover.
  • Sum insured paid in advance upon terminal illness.
  • Advance $10,000 funeral benefit.
  • One standard “exclusion” only (ie. suicide in the first 13 months of the policy commencing). Other exclusions may apply to some applicants depending on health and pastimes.
  • Guaranteed renewability to age 99 (if premiums paid on time), even if health changes.
  • Worldwide cover.
  • Access to a dedicated claims consultant to assist your family through the claim process.

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  • Allows payment of personal or family debt, providing your loved ones with financial freedom.
  • Allows your loved ones to not worry about finding the funds to cover your funeral expenses.
  • Provides funds for any outstanding medical costs.
  • Provides funds for estate, administrative and legal fees.
  • Provides funds for financial assistance for your partner following your death and allow them to grieve and not have to worry about the finances.

Read more

Obtain a quote

Or call a specialist consultant

1300 041 494
(Weekdays 8.30am to 6.00pm AEDT)

Or

Email us at sales@nobleoak.com.au.

Income Protection insurance

  • Provides you with a regular monthly payment of up to 75% of your income up to a maximum of $25,000 per month, if you are sick or injured and can’t perform your work duties.
  • Payments commence at the end of the waiting period and continue for a set period of time (such as 2 years or until the age of 65), depending on the benefit period chosen when the policy commenced.
  • Also covers partial disablement.
  • Premiums are generally tax deductible.
  • Cover applies when you are overseas also.
  • Access to a dedicated claims consultant to assist you through the claim process.

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  • Provides a regular monthly income in the event you are unable to work.
  • Allows you to cover or partially cover your financing commitments such as your mortgage or rental payments.
  • Provides income enabling you to pay ongoing household expenses.
  • Provides funds to cover out of pocket costs for ongoing medical and rehabilitation costs associated with your illness or injury.

Read more

Obtain a quote

Or call a specialist consultant

1300 041 494
(Weekdays 8.30am to 6.00pm AEDT)

Or

Email us at sales@nobleoak.com.au.

Total and Permanent Disability (TPD) insurance

  • Provides a lump sum payment of up to $ 3million for sickness or injuries which cause a total and permanent disability, preventing you from being able to work again.
  • One standard policy “exclusion” only (ie. intentional self injury in the first 13 months of the policy commencing). Other exclusions may apply to some applicants depending on health and pastimes.
  • Domestic Duties disablement definition is applicable to non income earners.
  • Worldwide cover.
  • Access to a dedicated claims consultant to assist you or your family through the claim process.

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  • Allows you to clear all debts, and have financial freedom.
  • Provides funds to cover ongoing medical and rehabilitation costs associated with your illness or injury.
  • Provides funds for any necessary home or vehicle modifications resulting from your injury or illness.
  • Provides funds to pay ongoing household expenses.

Read more

Obtain a quote

Or call a specialist consultant

1300 041 494
(Weekdays 8.30am to 6.00pm AEDT)

Or

Email us at sales@nobleoak.com.au.

Trauma insurance

  • Provides a lump sum payment up to $2million when one of the listed medical conditions or trauma events occur.
  • Includes coverage of the top 4 medical conditions which account for over 95% of trauma claims paid as well as 33 additional medical conditions.
  • Conditions covered include Heart Attack, Stroke and Cancer.
  • Pays a lump sum on the confirmed diagnosis of one of the listed medical conditions covered by the policy, whether that illness or trauma event is able to be successfully treated or not.
  • Two standard “exclusions” only: (i) Exclusion of self injury in the first 13 months of the policy commencing, and (ii). An exclusion period applies for the first 90 days for 10 of the medical conditions.
  • Worldwide cover.
  • Access to a dedicated claims consultant to assist you through the claim process.

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  • Allows you to clear all debts, and have financial freedom.
  • Provides funds to cover ongoing medical and rehabilitation costs associated with your illness or injury.
  • Provides funds for any necessary home or vehicle modifications resulting from your injury or illness.
  • Provides funds to pay ongoing household expenses.

Read more

Obtain a quote

Or call a specialist consultant

1300 041 494
(Weekdays 8.30am to 6.00pm AEDT)

Or

Email us at sales@nobleoak.com.au.

Business Expenses insurance

  • Provides a monthly income stream of up to 100% of your fixed monthly business expenses up to a maximum of $25,000 per month,   if you are sick or injured and can’t perform your duties at work.
  • Payments commence at the end of the waiting period and are paid for up to 12 months or the equivalent of 12 times the monthly benefit (if the full insured monthly benefit hasn’t been payable for some reason).
  • Premiums are generally tax deductible.
  • Provides access to a dedicated claims consultant to assist you through the claim process.

Read more

  • Allows you to clear all debts, and have financial freedom.
  • Provides funds to cover ongoing medical and rehabilitation costs associated with your illness or injury.
  • Provides funds for any necessary home or vehicle modifications resulting from your injury or illness.
  • Provides funds to pay ongoing household expenses.

Read more

Obtain a quote

Or call a specialist consultant

1300 041 494
(Weekdays 8.30am to 6.00pm AEDT)

Or

Email us at sales@nobleoak.com.au.

Start your marriage journey on the right financial path

We can assist you to tailor a Life insurance package to your needs – here are some options to compare.