Total and Permanent Disability (TPD) insurance is an optional extra on Life insurance that protects your financial security if you’re never able to work again because of sickness or injury.

It pays a lump sum of up to $5 million that can be used to eliminate debts, pay out-of-pocket medical expenses and help you get any ongoing care you may need.

TPD insurance helps you get on with your life and rehabilitation without having to worry about money.

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  • Your cover options
  • Descriptions of all covers

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Why choose NobleOak TPD?

Flexible payment options

Worldwide cover



30 day money
back guarantee

About NobleOak TPD insurance

Comprehensive TPD cover for your financial security

Up to $5 million in cover paid as a lump sum.

Pays a lump sum amount in the event of Total and Permanent Disability.

Covers severe illnesses and injuries occurring during the period of the policy.

Fully underwritten. We assess your health upfront so you know exactly what you’re covered for.

One standard exclusion only (i.e. intentional self-injury in the first 13 months of the policy commencing). Other exclusions may apply to some applicants depending on health and pastimes.

Choice of ‘Own Occupation’ or ‘Any Occupation’ occupation definition to age 65, then an activities-based definition to age 75.

‘Domestic Duties’ definition available to non-income earners and people working up to 15 hours per week.

Policy is renewable until age 75.

Backed by the third largest global re-insurer, Hannover Life Re.

A dedicated local claims specialist to look after any claim.

We pride ourselves on having paid 100% of all genuine claims.

You need to be an Australian resident between the minimum and maximum ages shown in the below table to be eligible for NobleOak TPD insurance.

Type of

What you are covered for

age at entry

age at entry

expiry age

Life insurance

Choose up to $15m cover in case you die or become terminally ill, helping you clear your debts and support your family.




Total and Permanent Disability
(TPD) insurance (optional)

Choose up to $5m cover in case you’re never able to work again because of sickness or injury, helping you modify your home, replace lost income and clear debts.




Trauma insurance

Choose up to $2m cover in case you suffer a serious listed medical condition, helping you pay your treatment expenses and adjust your lifestyle.




Income Protection

Choose cover of up to 75% of your income (to a maximum of $25,000 per month) in case you can’t work due to sickness or injury, helping you to support your family and cover essential living expenses.




Business Expenses

Choose cover up to $25,000 per month in case you can’t work due to sickness or injury, helping you cover the fixed costs of running a business.




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 consider life insurance products.

Case Study

Rita* and Gerard* are in their fifties with two teenage children attending private schools. Rita works part-time earning $60,000 per year and Gerard works full-time earning $100,000 per year. The couple have a $650,000 mortgage, and they each acquired $1,000,000 of TPD insurance.

At the age of 55, Rita fractures her spine in a car accident. As a result of her condition, Rita is deemed unable to ever be able to engage in any occupation for which she is suited by education, training or experience.

Rita’s TPD insurance pays her a tax-free lump sum of $1,000,000. This allows the family to pay off the mortgage, refit the home to allow for Rita’s restricted mobility, pay for a carer, and provide a regular income stream.

*Please note that while this case study is real, names have been changed for privacy purposes

2015 Client Survey Results

About TPD insurance

How does a TPD insurance policy work?

TPD insurance provides a lump sum of money for sickness or injuries causing a permanent disability that stops you from working again.

This is a popular type of cover as many people want to be financially independent if they are permanently disabled. Permanent disablement often brings with it many additional costs for care and rehabilitation.

The extent of the disability required for you to make a claim may vary depending on your occupation and the type of policy you choose.

Can I buy TPD insurance on its own?

TPD insurance is almost always purchased as an optional extra when you take out Life insurance. This is the case with NobleOak’s TPD insurance. We do not offer stand-alone TPD cover and your level of cover is limited to an amount less than or equal to the Life insurance you have purchased.

Does NobleOak’s TPD insurance comply with superannuation regulations? Can it be included in an SMSF?

Yes. Our products cater for the regulatory SMSF requirements, as well as provide unmatched flexibility. You can also move your Life and TPD insurances out of your SMSF, if your needs and circumstances change, without cancelling your policy and reapplying for cover.

How can I reduce the cost of TPD cover?

Here are a few options to consider:

  • Opt for the premium freeze benefit, provided with NobleOak TPD insurance. This means that you can fix the cost of your cover at any time. Your future premiums will be fixed at the amount you were paying on the date of notification and each year your cover amount will be adjusted to the amount of cover that can be purchased for the frozen premium.
  • Reduce your cover amount if circumstances change. Generally speaking, when applying for TPD cover, the Life insured will consider an amount which will help reduce debts, pay out of pocket medical expenses and arrange any ongoing care which may be required. Reducing the sum insured may be an option if you find that your financial obligations have decreased as you have cleared your debts or your children have become financially independent.
  • If you have the ‘Own Occupation’ TPD definition, you could choose to adjust this to the more affordable ‘Any Occupation’ definition. The ‘Own Occupation’ definition does provide greater clarity in the event of a claim than the ‘Any Occupation’ definition and the choice remains with you as to which one you are most comfortable with.

Will I need to do a medical test

Generally, there are no mandatory medical requirements when applying for NobleOak Life insurance. However, this is dependent on your age, the sum insured that you are applying for and also your medical history. If medical details are required these are  all organised and paid for by NobleOak.

Am I covered if I am overseas?

NobleOak offers worldwide coverage, however travel exclusions may apply based on your individual circumstances; this will be determined during the initial application process.

At what age can I apply for TPD cover?

You can apply for NobleOak TPD insurance from the age of 16 up to the age of 64. Please note that the expiry age for NobleOak TPD insurance is 75.

More Frequently Asked Questions

Obtain an obligation free quote or apply 1300 041 494

What do our clients think?

Images have been changed for privacy reasons.

“Great customer service and fast turn-around time.”

Khapil N.
(March 2017)

“Simple, uncomplicated process.”

Colin G.
(March 2017)

“They were a pleasure to deal with. Efficient and personable and kept me in the loop all the way along the process.”

Pamela H.
(March 2017)

“Excellent customer service. Very pleasant to speak with your sales consultant.”

Annita N.
(November 2016)

“Excellent customer care, knowledgeable and courteous.”

Amit T.
(January 2017)

“Very good service, staff more than happy to help and answer any questions that I asked. Very happy with the service!”

Sandra T.
(January 2017)

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