Why is Life insurance cover for me?

You research the market to see when’s the best time to buy and sell, you know your strategy and you’re keen to see your investments grow.

So why would your approach to financial risk caused by an unexpected life event be any different?

If you were to sustain a severe injury, or be diagnosed with a serious illness, would your medical bills outweigh your living expenses? Would you be forced to sell some or all of your assets?

We know these things are unfortunate but they can happen. That’s why we are here to help.

Selecting Life insurance cover

Our comprehensive range of cover includes Life insurance, Total and Permanent Disability (TPD) and Trauma insurance , and also Income Protection (and Business Expenses insurance if you are self employed) With these covers you can rest assured that you’ll be able to meet or even clear any ongoing debts and also cover future expenses if the need arises.

Also, if you have a self-managed superannuation fund, you can take advantage of our SMSF Direct cover which is a flexible policy that caters to regulatory SMSF requirements and provides outstanding value for money.

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

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 r your family through the claim process.

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  • Allows payment of personal and family debt, providing your family with future financial freedom.
  • Provides your loved ones with 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 family following your death to allow them to grieve and not worry about their 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.

Total and Permanent Disability (TPD) insurance

  • Provides a lump sum payment 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 l debts to be cleared and future living expenses to be covered.
  • 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.
  • Coverage for conditions including Heart Attack, Stroke and Cancer.
  • This cover pays a benefit on the 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.

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  • Allows debts such as your mortgage to be cleared.
  • Provides funds to cover out of pocket costs for ongoing medical and rehabilitation costs associated with your illness or injury.
  • Funds are also available for any necessary home or vehicle modifications resulting from your injury or illness.

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 a monthly income stream of up to 75% of your pre disability income up to a maximum of $25,000 per month.
  • Payments commence at the end of the waiting period either for a set period of time (such as 2 years) or until the age of 65, depending on the benefit period chosen at the commencement of the policy.
  • Premiums are generally tax deductible.
  • Worldwide cover.
  • Access to a dedicated claims consultant to assist you through the claim process.

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  • Covers your regular income while you are off work.
  • Completely or partially cover debts such as your mortgage.
  • Provides you with income for rental payments.
  • Funds to cover any out of pocket costs for ongoing medical and rehabilitation costs associated with your illness or injury.
  • Provides income enabling you 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.
  • Access to a dedicated claims consultant to assist you through the claim process.

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  • Covers payment of your fixed business expenses while you are off work. These include rent, the salaries of non income producing staff, and all other overheads associated with your business, including payment of the interest component of any loans associated with the business.
  • Provides security for your business to ensure you have a business to return to when you are back on your feet and recovered.

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.

Enjoy growing your investments with a holistic risk management strategy