How to apply

Three simple steps to get cover

Step 1. Obtain a quote


One of NobleOak’s friendly insurance specialists will give you an obligation-free Life insurance quote over the phone. All we need is your:

› Full name            › Occupation
› Birth date            › Smoking status
› State                    › Type of insurance/s
› Male/Female       › Amount of insurance

Obtain a Life Insurance quote

Step 2. Apply


If you’re happy with the quote and PDS, apply immediately over the phone or set up an appointment at a time convenient to you. We’ll answer any questions you have.

Apply now

Step 3. Relax


We will assess your application. Sometimes medical requirements will be necessary to assess the terms of our acceptance of your cover. If so, we’ll cover the costs of these tests and keep you up-to-date during the assessment process.

While we assess your application you will be covered against accidental death at no additional cost. Once the assessment is completed we’ll notify you of our decision.

Got existing Life insurance?

Consider continuing your existing Life insurance or Income Protection cover until your NobleOak cover is confirmed and your documents are issued.

Choose the Life insurance cover you need

Compare Life insurance products, and you’ll see that NobleOak offers comprehensive cover with low premiums and personal service.

Simply select the type(s) of cover you need and you’ll only pay for what you’re covered for. Please refer to the PDS, which sets out the terms and conditions for the insurance, and consider whether this product is right for you.

Cover type

Main features

How to get covered

Life insurance


2016 CANSTAR Outstanding Value
Direct Life Insurance Award

  • Up to $15m of cover, including a $15,000 Funeral Advance benefit.
  • Covers death and terminal illness.
  • Indexation benefit to help your level of cover keep up with inflation.

Read More

TPD (Total and Permanent Disablement) insurance

  • Up to $5m of cover for severe sickness or injuries that prevent you from being able to work again.
  • Choice of ‘Own’ or ‘Any’ Occupation definitions, or ‘Home Duties’ if you’re not working at least 15 hours per week.
  • Dedicated claims consultant.

Read More

Trauma insurance

(Also referred to as critical illness cover or recovery insurance)

  • Up to $2m of cover when a significant medical condition or trauma event occurs.
  • Common conditions covered including heart attack, stroke, bypass surgery and cancer.
  • Pays a benefit on the diagnosis of one of the listed medical conditions, whether that illness or trauma event is able to be successfully treated or not.

Read More

Income Protection insurance


2017 & 2016 CANSTAR Outstanding Value
Direct Income Protection Award

  • Up to 75% of your pre-disability income provided as a monthly income stream.
  • Flexible cover, depending on your needs. Payments commence at the end of a waiting period (either 30 or 90 days) and are payable for the period of disability up to a maximum benefit period of either 2 years or to age 65 (depending on the benefit period applied for at the time of application).
  • Comprehensive cover, with partial disablement also covered.

Read More

Business Expenses insurance

  • Up to $25,000 per month provided to business owners.
  • Covers the fixed costs of running your business, such as office rent, electricity, utilities costs and the salaries and superannuation of non-income producing employees.
  • Premiums are generally tax-deductible.

Read More

How much Life insurance do you need?

We can’t offer personal advice, but we have developed a Life Insurance Calculator to help you determine what types of Life insurance and how much cover you need. By simply answering a few questions, you’ll receive a Free Life Insurance Analysis report that you can use to compare Life insurance products.

Obtain a Life insurance Quote

Submit (Enter your email address above)

Obtain an obligation free quote or apply – call 1300 041 494

Did you know?

There’s a good chance you’ll need a hand at some stage. Here’s why:

• 1 in 6 women and 1 in 4 men are expected to suffer from a disability from the age of 35 to 65 resulting in more than 6 months off work.₁

• 1 in 2 Australian men and 1 in 3 Australian women will be diagnosed with cancer by the age of 85₂

• Each year around 55,000 Australians suffer a heart attack.₃


*The savings quoted are the average of the savings when comparing NobleOak’s premiums for its Term Life cover under NobleOak’s Premium Life Direct product to the average cost of Term Life insurance products offered by other insurance companies, including products available directly with the insurer and those available for purchase through a financial adviser or broker. The premiums are based on a non-smoker with a Life insurance sum insured of $500,000 at 5 year age bands from age 30 to 65. Your age, occupation, gender, sum insured, smoker status, and health will determine the premium amount charged by NobleOak. Life insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome. The premium comparison was undertaken on November 2015 based on published premium rates. Readers may obtain a quote from NobleOak by contacting on 1300 041 494.​

Request a Callback

Our Australian based consultants will call you at your preferred time

* mandatory fields