LIFE INSURANCE
FOR VETS

Switch and receive considerable savings* compared to other major insurers.

Plus, receive $20,000 of bonus Life cover**

GET A QUOTE

Maximum Cover Level

$15,000,000

With NobleOak, you can apply for comprehensive Life Insurance cover of up to $15,000,000. In the event you pass away, NobleOak will pay the agreed amount as a lump sum to your nominated beneficiary or estate. Higher levels of cover may be considered on request.

Maximum
Entry Age

69

To be eligible to apply for Life Cover with NobleOak, you must be an Australian Resident between the ages of 16 and 69. Our Life Insurance products are priced using stepped premiums. This means that your premiums will increase each year in line with your age and also due to CPI increases on your sum insured protecting you further against inflation.

Guaranteed Renewable Age

99

Provided you pay your premiums as they fall due, NobleOak guarantees to renew your Life Cover each year up to the age of 99. Your Life Insurance cover will not be cancelled, nor will your premiums be increased due to any future change in your state of health, lifestyle, occupation or pastimes. Premiums will only increase each year in line with your age and CPI.

Funeral
Benefit

$15,000

In the event that you pass away, NobleOak will advance $15,000 from your Life Insurance cover to assist your loved ones with funeral expenses. The Funeral Advance Benefit will be paid as a lump sum upon receipt of evidence of your age and a validation of your death.

Terminal Illness Benefit

Yes

If you are diagnosed with a terminal illness and given less than 12 months to live, NobleOak will advance the Life Insurance cover amount up to a maximum of $3,000,000. Any residual cover will remain in place until you pass away when the balance will be paid to each nominated beneficiary or to your estate.

With NobleOak, you can apply for comprehensive Life Insurance cover of up to $15,000,000. In the event you pass away, NobleOak will pay the agreed amount as a lump sum to your nominated beneficiary or estate. Higher levels of cover may be considered on request.

Vets - Receive $20,000 of Bonus Cover**

The bonus $20,000 offer applies to all applications for a minimum of $200,000 of Life Cover benefit received before 31 October 2019. Click here for details of this offer.

Life Insurance Features

Cover While You Wait

We provide Interim Accidental Death cover (up to $1 million) at no added cost to you. Your Interim Accident Death cover will commence upon the completion of your application.

Dedicated Claims Support

If you or your family need to make a claim you’ll be assigned a dedicated claims consultant based here in Australia. This consultant will support you throughout the claim process.

Cover with Global Backing

NobleOak’s products are backed by Hannover Life Re who is a leading global reinsurer. We are also an APRA regulated Life Insurer with a history dating back over 140 years.

Terminal Illness Benefit

If you become terminally ill, NobleOak will advance a payment from your Life Insurance cover up to a maximum of $3 million. Any residual cover will remain in place until you die, when the balance will then be paid. To be eligible for this payment:

  • You will need to be diagnosed as being terminally ill by two Medical Practitioners, one of which is a specialist practising in an area related to the illness or injury suffered by you; and
  • Their respective diagnoses certify that you are suffering from an illness, or have incurred an injury, that is likely to result in death within 12 months of the certification. If the cover is owned by a SMSF (as a Trustee Member), then a 24 month (not 12 month) certification period will apply.

Financial Advice Benefit

We understand that you or your estate may possibly need professional financial advice to ensure that the proceeds of a death or terminal illness claim payment are managed appropriately. That is why we will reimburse the cost of engaging a qualified financial adviser to provide assistance and advice, up to $2,000, to prepare a financial plan when we pay a benefit in excess of $200,000 for death or terminal illness.

Grief Counselling Benefit

We understand that your death, or diagnosis with a terminal illness, would be a very emotional time for you and your family. That is why we will reimburse the cost of any grief counselling services required for either yourself or your partner, up to $1,000, after we pay a death or terminal illness benefit.

Premium Freeze Benefit

You can fix the cost of your cover at any time by writing to us with a request to freeze the premium amount. This means that:

  • Your future premiums will be fixed at the amount you were paying on the date of notification.
  • Each year your cover sum insured will be reduced to the amount of cover that could be purchased with the frozen premium.

You can write to us at any time to end the Premium Freeze Benefit and the premium freeze will be removed on the next anniversary of your cover. Your cover will then revert to the normal premium and cover increases each year thereafter.

Future Increases Benefit

You can increase your cover amount by up to $100,000 without the need to provide further medical evidence if one of the following allowable events occurs:

  • You marry
  • You register a new business partnership
  • You commence or increase a mortgage on your primary place of residence
  • You or your partner gives birth to or adopts a child

Indexation

To guard against inflation, your cover amount will automatically be increased at each anniversary using the Consumer Price Index. Your premiums will be increased accordingly due to these CPI increases.

ASIC & APRA Regulated Cover

NobleOak Life Ltd (NobleOak) is regulated by ASIC and APRA in accordance with section 16C of the Life Insurance Act.

Here's What Our Clients Are Saying

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Affordable insurance and fast friendly service.
Darren J
,
11 December 2019
I was kept up to date through the whole process, very friendly service.
Karen L
,
27 March 2019
Their Customer Service was first rate. Everyone I dealt with through the application process was fabulous. They kept me informed every step of the way and I didn't need to follow up on anything. Very impressed. Would thoroughly recommend them.
Phyllis K
, SA
26 March 2019
Great to deal with. Kept me in the loop throughout the whole process. Good level of communication and I made significant savings on my life insurance premiums over the competitors.
Paul A
,
11 March 2019
Excellent customer service. The process to buy Income Protection Insurance was very easy and the customer service team very helpful and knowledgeable. After I had applied I requested some additional information which was sent to me within a day. That's great customer service to have a good response time even after the initial sale had been made by Noble Oak.
Leo
,
4 March 2019
Your representative was patient, concise, understanding and above all very pleasant to speak and deal with. It was his influence that had me convinced to proceed with your product.
Keith G
,
27 February 2019
Excellent to deaf customers. They communicate well to deaf customers by using sms texts and emails. Other companies just ring my number all day long.
Ronald F
,
26 February 2019
Great service. The customer service is great. They are friendly and very helpful and it was a pleasure dealing with them.
Annette M
,
20 February 2019
I am very pleased with Noble Oak and the ease with which the transaction was finalised. I wouldn't hesitate to use them again or to recommend them to my family and friends.
Roberto F
,
6 February 2019
Each phone call and email was answered by a person who knew the answers to my queries very polite and courteous at all times.
Craig T
,
24 January 2019
Very helpful, informative and great communication. I’m very happy to have been approved into the Noble Oak community Happy customer that’s me!
Dianne M
,
16 January 2019
It's good for elderly people. Quite affordable and good conditions.
Vaulina B
,
19 December 2018
Great service, honest advice, prompt follow up, extremely competitive premium and deal. Thanks Noble Oak.
Vijay C
,
23 November 2018
Superb and excellent! The premium is much lower compared to the others. The process of getting their insurance is fast and well coordinated.
Brian
,
21 November 2018
They were helpful, friendly and nothing seemed to be an issue for them even when I needed to amend some of the questions on the proposal. I received phone calls to advise of the next step and the Nurse that came to our house on a weekend was so friendly and professional in her duties.
Paul J
,
20 November 2018
Fantastic customer service, competitive costs for income protection attracted me to switch over from other insurance. Follow up by NobleOak team including approval of quote is excellent and made me comfortable and happy. Highly recommend this income protection policy.
Girija P
,
15 November 2018
Was a quick and easy process. Price is a lot cheaper than other providers.
Margaret C
, NT
31 July 2018
Very professional, helpful and friendly service. My new life insurance policy was processed efficiently and I was contacted during each step of the process.
Susan C
, WA
26 July 2018
Fantastic customer service and the explanation of the product was clear and concise. Value for money.
Adrian T
, NSW
26 July 2018
They are good service, picked up my calling quickly and patient, and cheaper than other company.
Jasmine M
, NSW
19 July 2018

How to Apply

  • Get a Quote

    One of our friendly insurance specialists will help you complete your Life Insurance quote over the phone or online.

  • Apply

    If you’re happy with the quote, you can apply immediately either over the phone or book a time for a call back.

  • Get covered

    We”ll assess your application. If you require medical tests we’ll pay for them and keep you updated on your progress.

Terms & Conditions

View T&Cs

*Considerable savings

Considerable savings are possible, when comparing NobleOak’s premiums (including the discount to standard rates) for its Term Life cover under NobleOak’s Premium Life Direct product to the average cost of Term Life Insurance cover offered by a range of other Life Insurance companies, including products available directly from the insurer (8 products included in the comparison) and those available for purchase through a financial adviser or broker (7 products included in the comparison). A premium comparison was undertaken in May 2019 by Strategic Insight based on published premium rates. Click here for more details on the premium comparison. Life Insurance rates for insurers, including NobleOak, may change since that time and this could change the outcome.

Members are entitled to a 10% discount on NobleOak’s usual premium rates. Please contact NobleOak on 1300 108 490 to apply for cover and to verify your actual premium, which will take into account your age, occupation, sum insured, health and pastimes.

**Bonus $20,000 Life Cover

The bonus $20,000 Life Cover offer applies for all applications with a minimum of $200,000 of Life Cover benefit received before 31 October 2019. This offer is available once only per new customer and may not be used in conjunction with any other offer. If you make an application before 31 October 2019, then you will receive a bonus $20,000 Life Cover on a minimum of $200,000 of Life Cover.

Product PDS

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*Considerable savings

Considerable savings are possible, when comparing NobleOak’s premiums (including the discount to standard rates) for its Term Life cover under NobleOak’s Premium Life Direct product to the average cost of Term Life Insurance cover offered by a range of other Life Insurance companies, including products available directly from the insurer (8 products included in the comparison) and those available for purchase through a financial adviser or broker (7 products included in the comparison). A premium comparison was undertaken in May 2019 by Strategic Insight based on published premium rates. Click here for more details on the premium comparison. Life Insurance rates for insurers, including NobleOak, may change since that time and this could change the outcome.

Members are entitled to a 10% discount on NobleOak’s usual premium rates. Please contact NobleOak on 1300 108 490 to apply for cover and to verify your actual premium, which will take into account your age, occupation, sum insured, health and pastimes.

**Bonus $20,000 Life Cover

The bonus $20,000 Life Cover offer applies for all applications with a minimum of $200,000 of Life Cover benefit received before 31 October 2019. This offer is available once only per new customer and may not be used in conjunction with any other offer. If you make an application before 31 October 2019, then you will receive a bonus $20,000 Life Cover on a minimum of $200,000 of Life Cover.