# NobleOak Life Insurance --- ## Pages - [Can you get Income Protection if you are self-employed?](https://www.nobleoak.com.au/income-protection-insurance/can-you-get-income-protection-if-you-are-self-employed/) - [What is a Life Insurance Premium Waiver?](https://www.nobleoak.com.au/income-protection-insurance/what-does-waiver-of-premium-mean/) - [TaxTank Landing Page](https://www.nobleoak.com.au/taxtank/) - [Living with HIV FAQs](https://www.nobleoak.com.au/about-us/living-with-hiv-faqs/) - [Our people](https://www.nobleoak.com.au/about-us/our-people/) - [Total & Permanent Disability Insurance](https://www.nobleoak.com.au/total-and-permanent-disability-tpd-insurance/) - [FAQs - Income Protection Insurance](https://www.nobleoak.com.au/income-protection-insurance/faqs-income-protection/) - [How Does Income Protection Work & What Does It Cover?](https://www.nobleoak.com.au/income-protection-insurance/how-does-income-protection-insurance-work/) - [Do I Need Income Protection Insurance?](https://www.nobleoak.com.au/income-protection-insurance/do-i-need-income-protection-insurance/) - [Income Protection Insurance Waiting Periods Explained](https://www.nobleoak.com.au/income-protection-insurance/why-is-there-a-waiting-period-for-income-protection/) - [How does life insurance work in Australia and how do I get started?](https://www.nobleoak.com.au/life-insurance/what-is-life-insurance-cover-and-how-does-it-work/) - [Trauma Insurance](https://www.nobleoak.com.au/trauma-insurance/) - [Do I Need Life Insurance?](https://www.nobleoak.com.au/life-insurance/why-might-you-need-life-insurance/) - [New to life insurance? We’ve got you covered.](https://www.nobleoak.com.au/life-insurance/new-to-life-insurance/) - [About Us](https://www.nobleoak.com.au/about-us/) - [Life Insurance and getting a mortgage](https://www.nobleoak.com.au/life-insurance/guides/getting-a-mortgage/) - [Product Disclosure Statements (Archive)](https://www.nobleoak.com.au/product-disclosure-statements-archive/) - [Cancelling your cover](https://www.nobleoak.com.au/existing-customers/cancel/) - [Term Life vs Whole Life Insurance: What’s The Difference?](https://www.nobleoak.com.au/life-insurance/term-life-insurance-vs-whole-life-insurance/) - [Family and Domestic Violence Policy](https://www.nobleoak.com.au/about-us/family-and-domestic-violence-policy/) - [Life Insurance within SMSF - SPLICE - Video 2](https://www.nobleoak.com.au/smsf-life-insurance-tax-benefits/) - [Budget Direct Unsubscribe](https://www.nobleoak.com.au/budget-direct-unsubscribe/) - [Navigating life insurance: Loadings and exclusions explained](https://www.nobleoak.com.au/life-insurance/loadings-and-exclusions-explained/) - [Report a Suspected Fraud](https://www.nobleoak.com.au/report-a-suspected-fraud/) - [Fraud Thank you](https://www.nobleoak.com.au/report-a-suspected-fraud/fraud-thank-you/) - [Supporting customers experiencing Mental Health conditions](https://www.nobleoak.com.au/about-us/supporting-mental-health-conditions/) - [How Can NobleOak Support You](https://www.nobleoak.com.au/about-us/how-can-nobleoak-support-you/) - [Income Protection and TPD Price Increase FAQs](https://www.nobleoak.com.au/existing-customers/re-pricing-faqs/) - [Howden Life Insurance quick quote](https://www.nobleoak.com.au/howden/) - [Share Price History](https://www.nobleoak.com.au/investor-relations/share-price-history/) - [Is Income Protection tax deductible in Australia?](https://www.nobleoak.com.au/income-protection-insurance/is-income-protection-insurance-tax-deductible/) - [Disability & Income Protection: How Is It Defined?](https://www.nobleoak.com.au/income-protection-insurance/how-is-disability-defined-under-income-protection/) - [Seniors Life Insurance](https://www.nobleoak.com.au/life-insurance/seniors-life-insurance/) - [How do I apply for Life Insurance?](https://www.nobleoak.com.au/life-insurance/how-do-i-apply-for-life-insurance/) - [BFR Update November 2021](https://www.nobleoak.com.au/bfr-update-november-2021/) - [Family Life Insurance](https://www.nobleoak.com.au/life-insurance/family-life-insurance/) - [WGEA Report 2025](https://www.nobleoak.com.au/investor-relations/wgea-report/) - [Target Market Determination](https://www.nobleoak.com.au/target-market-determination/) - [Complaint Thank you](https://www.nobleoak.com.au/complaints/thank-you/) - [Complaints](https://www.nobleoak.com.au/complaints/) - [What is Life Insurance? A short guide on understanding the basics](https://www.nobleoak.com.au/life-insurance/what-is-life-insurance/) - [Financial Reports](https://www.nobleoak.com.au/investor-relations/financial-reports/) - [ASX Announcements](https://www.nobleoak.com.au/investor-relations/asx-announcements/) - [Investor Media Releases](https://www.nobleoak.com.au/investor-relations/investor-media/) - [Key Events](https://www.nobleoak.com.au/investor-relations/key-events/) - [Annual General Meeting](https://www.nobleoak.com.au/investor-relations/annual-general-meeting/) - [Investor Centre](https://www.nobleoak.com.au/investor-relations/investor-centre/) - [Investor Relations](https://www.nobleoak.com.au/investor-relations/) - [Corporate Governance](https://www.nobleoak.com.au/corporate-governance/) - [How Much Life Insurance Do I Need In Australia?](https://www.nobleoak.com.au/life-insurance/how-much-life-insurance-do-i-need/) - [How Much Does Life Insurance Cost?](https://www.nobleoak.com.au/life-insurance/how-much-does-life-insurance-cost/) - [What is fully underwritten life insurance?](https://www.nobleoak.com.au/life-insurance/what-is-fully-underwritten-life-insurance/) - [Can I purchase Life Insurance through my self-managed super fund?](https://www.nobleoak.com.au/life-insurance/can-i-purchase-life-insurance-through-my-self-managed-super-fund/) - [All Insights](https://www.nobleoak.com.au/insights/all/) - [Your Duty to Take Reasonable Care](https://www.nobleoak.com.au/duty-of-disclosure/) - [Media Releases](https://www.nobleoak.com.au/tools-guides/media-releases/) - [News and Media](https://www.nobleoak.com.au/tools-guides/news-media/) - [Sitemap](https://www.nobleoak.com.au/sitemap/) - [NobleOak TVC](https://www.nobleoak.com.au/about-us/values-history/nobleoak-tvc/) - [Request a callback](https://www.nobleoak.com.au/request-a-callback/) - [Whitepapers](https://www.nobleoak.com.au/tools-guides/whitepapers/) - [Terms and Conditions](https://www.nobleoak.com.au/terms-conditions/) - [The Code of Practice](https://www.nobleoak.com.au/about-us/code-of-practice/) - [Client forms](https://www.nobleoak.com.au/existing-customers/client-forms/) - [Working at NobleOak](https://www.nobleoak.com.au/about-us/working-at-nobleoak/) - [Employment Application Privacy Notice](https://www.nobleoak.com.au/about-us/working-at-nobleoak/employment-application-privacy-notice/) - [Your learning & development](https://www.nobleoak.com.au/about-us/working-at-nobleoak/your-learning-and-development/) - [Your Benefits](https://www.nobleoak.com.au/about-us/working-at-nobleoak/your-benefits/) - [Careers FAQs](https://www.nobleoak.com.au/about-us/working-at-nobleoak/careers-faqs/) - [Our Values](https://www.nobleoak.com.au/about-us/working-at-nobleoak/our-values/) - [Financial Services Guide](https://www.nobleoak.com.au/financial-services-guide/) - [Life Insurance guides](https://www.nobleoak.com.au/life-insurance/guides/) - [FAQs - Making a claim](https://www.nobleoak.com.au/existing-customers/make-a-claim/making-a-claim-faqs/) - [Existing Customer FAQs](https://www.nobleoak.com.au/existing-customers/existing-customer-faqs/) - [Payments and security FAQs](https://www.nobleoak.com.au/existing-customers/payments-and-security-faqs/) - [Applications and underwriting FAQs](https://www.nobleoak.com.au/existing-customers/applications-and-underwriting-faqs/) - [Life Insurance for starting out](https://www.nobleoak.com.au/life-insurance/guides/life-insurance-for-starting-out/) - [Couples Life Insurance: Protecting Your Future Together](https://www.nobleoak.com.au/life-insurance/guides/getting-married/) - [Life Insurance and raising a family](https://www.nobleoak.com.au/life-insurance/guides/raising-a-family/) - [Seniors Life Insurance](https://www.nobleoak.com.au/life-insurance/guides/seniors/) - [Writing a Will](https://www.nobleoak.com.au/life-insurance/guides/writing-a-will/) - [Planning a funeral service](https://www.nobleoak.com.au/life-insurance/guides/planning-a-funeral-service/) - [Coping with grief and bereavement](https://www.nobleoak.com.au/life-insurance/guides/coping-with-grief-and-bereavement/) - [Product Disclosure Statements (PDS)](https://www.nobleoak.com.au/product-disclosure-statements/) - [Our claims philosophy](https://www.nobleoak.com.au/existing-customers/our-claims-philosophy/) - [Values and History](https://www.nobleoak.com.au/about-us/values-history/) - [Make an insurance claim](https://www.nobleoak.com.au/existing-customers/make-a-claim/) - [FAQs - TPD](https://www.nobleoak.com.au/total-and-permanent-disability-tpd-insurance/faqs-tpd/) - [FAQs - Trauma](https://www.nobleoak.com.au/trauma-insurance/faqs-trauma/) - [FAQs - Business Expenses](https://www.nobleoak.com.au/business-expenses-insurance/faqs-business-expense/) - [FAQs - SMSF](https://www.nobleoak.com.au/smsf-insurance/faqs-smsf/) - [Business Expenses Insurance](https://www.nobleoak.com.au/business-expenses-insurance/) - [Life Insurance within SMSF](https://www.nobleoak.com.au/smsf-insurance/) - [Insights](https://www.nobleoak.com.au/insights/) - [Privacy Policy](https://www.nobleoak.com.au/privacy-policy/) - [Contact Us](https://www.nobleoak.com.au/contact-us/) - [Insurance Products](https://www.nobleoak.com.au/insurance-products/) - [FAQs - Life Insurance](https://www.nobleoak.com.au/life-insurance/faqs-and-common-questions-answered/) - [Home](https://www.nobleoak.com.au/) - [Tools and Guides](https://www.nobleoak.com.au/tools-guides/) - [Insurance Calculator](https://www.nobleoak.com.au/tools-guides/insurance-calculator/) --- ## Posts - [Can You Have Multiple Life Insurance Policies?](https://www.nobleoak.com.au/insights/can-you-have-multiple-life-insurance-policies/) - [Income Protection Insurance for Doctors & Nurses](https://www.nobleoak.com.au/insights/income-protection-for-doctors-nurses/) - [NobleOak receives Feefo’s coveted Platinum Trusted Service Award 2026](https://www.nobleoak.com.au/insights/nobleoak-receives-feefos-coveted-platinum-trusted-service-award-2026/) - [NobleOak awarded Canstar Outstanding Value for Income Protection for the 11th Consecutive Year](https://www.nobleoak.com.au/insights/nobleoak-awarded-canstar-outstanding-value-for-income-protection-for-the-11th-consecutive-year/) - [Life Insurance And Underinsurance in Australia: The Risks & Costs Related To Being Underinsured](https://www.nobleoak.com.au/insights/are-you-underinsured/) - [NobleOak and nib Launch Life Insurance Partnership ](https://www.nobleoak.com.au/insights/nobleoak-and-nib-launch-life-insurance-partnership/) - [Can You Get Life Insurance After A Heart Attack?](https://www.nobleoak.com.au/insights/heart-attack-symptoms-and-risk-factors/) - [NobleOak Wins Finder Product Award for Income Protection 2025](https://www.nobleoak.com.au/insights/nobleoak-wins-finder-product-award-for-income-protection-2025/) - [Income Protection Insurance & Superannuation: Inside vs Outside Superannuation](https://www.nobleoak.com.au/insights/income-protection-insurance-superannuation-inside-vs-outside-superannuation/) - [Stay safe and strong this summer](https://www.nobleoak.com.au/insights/stay-safe-and-strong-this-summer/) - [NobleOak launches new advised product, Futura Protection, in partnership with NEOS](https://www.nobleoak.com.au/insights/nobleoak-launches-new-advised-product-futura-protection-in-partnership-with-neos/) - [Income Protection Insurance for Tradies](https://www.nobleoak.com.au/insights/income-protection-for-tradies/) - [NobleOak to launch new advised product, Futura Protection, in partnership with NEOS](https://www.nobleoak.com.au/insights/nobleoak-to-launch-new-advised-product-futura-protection-in-partnership-with-neos/) - [NobleOak wins ANZIIF Life Insurance Company of the Year 2025](https://www.nobleoak.com.au/insights/nobleoak-wins-anziif-life-insurance-company-of-the-year-2025/) - [Do I Need Life Insurance After I Retire?](https://www.nobleoak.com.au/insights/do-you-need-life-insurance-after-you-retire/) - [Inflation and Life Insurance: How to Approach Your Coverage](https://www.nobleoak.com.au/insights/inflation-and-life-insurance/) - [Unclaimed Life Insurance: What Happens To It & How To Find It](https://www.nobleoak.com.au/insights/unclaimed-life-insurance/) - [Life Insurance For Diabetics](https://www.nobleoak.com.au/insights/life-insurance-and-diabetes/) - [NobleOak Wins Life Insurer of the Year at WeMoney Awards for the Fourth Year in a Row](https://www.nobleoak.com.au/insights/nobleoak-wins-life-insurer-of-the-year-at-wemoney-awards-for-the-fourth-year-in-a-row/) - [Life Insurance and Superannuation: What You Need To Know](https://www.nobleoak.com.au/insights/life-insurance-in-your-superannuation-it-may-not-be-enough/) - [NobleOak Celebrates 10-Year Streak of Receiving Canstar’s Outstanding Value Awards for Direct Life Insurance](https://www.nobleoak.com.au/insights/nobleoak-celebrates-10-years-of-canstar-outstanding-value-life-insurance/) - [Does Life Insurance Cover Cancer?](https://www.nobleoak.com.au/insights/does-life-insurance-cover-cancer/) - [How AI is Transforming the Insurance Industry](https://www.nobleoak.com.au/insights/ai-in-insurance-industry/) - [How to Manage Life Insurance Premiums](https://www.nobleoak.com.au/insights/manage-life-insurance-premiums/) - [NobleOak celebrates seven consecutive years of winning Australia’s Best Life Insurer in the Mozo Experts Choice Awards](https://www.nobleoak.com.au/insights/nobleoak-celebrates-seven-consecutive-years-of-winning-australias-best-life-insurer-in-the-mozo-experts-choice-awards/) - [Smoking & Life Insurance](https://www.nobleoak.com.au/insights/smoking-and-life-insurance/) - [Does Life Insurance Cover Suicidal Death in Australia?](https://www.nobleoak.com.au/insights/does-life-insurance-cover-suicidal-death/) - [Accidental Death Insurance](https://www.nobleoak.com.au/insights/accidental-death-insurance/) - [Women's biggest health risks - and tips to stay healthy](https://www.nobleoak.com.au/insights/womens-biggest-health-risks-and-tips-to-stay-healthy/) - [Men's biggest health risks - and tips to stay healthy](https://www.nobleoak.com.au/insights/mens-biggest-health-risks-and-tips-to-stay-healthy/) - [NobleOak Celebrates 10 Years of Canstar Outstanding Value Income Protection](https://www.nobleoak.com.au/insights/nobleoak-celebrates-10-years-of-canstar-outstanding-value-income-protection/) - [Codicil to a Will: What is it & How it Works](https://www.nobleoak.com.au/insights/codicil-to-will/) - [What Is a Life Insurance Beneficiary?](https://www.nobleoak.com.au/insights/life-insurance-beneficiary/) - [Is Life Insurance Tax Deductible?](https://www.nobleoak.com.au/insights/is-life-insurance-tax-deductible/) - [Life Insurance With No Medical Exam - Is It Worth It?](https://www.nobleoak.com.au/insights/no-medical-life-insurance/) - [Life Insurance Medical Exams: What To Expect & How To Prepare](https://www.nobleoak.com.au/insights/what-is-a-life-insurance-medical-examination-and-what-can-i-expect-during-mine/) - [What Happens to Your Mortgage When You Die?](https://www.nobleoak.com.au/insights/what-can-happen-to-your-home-if-you-die-before-paying-off-the-mortgage/) - [Understanding Income Protection and Whether It Covers Redundancy](https://www.nobleoak.com.au/insights/income-protection-and-redundancy/) - [Salary Continuance Insurance (SCI) Explained](https://www.nobleoak.com.au/insights/salary-continuance-insurance-explained/) - [Critical Illness Insurance: What Is It & What Does It Cover?](https://www.nobleoak.com.au/insights/what-is-trauma-or-critical-illness-insurance/) - [Death Benefits & Life Insurance: What Is It & Who Can Make a Claim?](https://www.nobleoak.com.au/insights/death-benefits-and-life-insurance-what-are-death-benefits-and-who-can-make-a-claim/) - [Getting Life Insurance With Pre-Existing Conditions](https://www.nobleoak.com.au/insights/life-insurance-wiith-pre-existing-conditions/) - [Should an SMSF include life insurance?](https://www.nobleoak.com.au/insights/should-an-smsf-include-life-insurance/) - [SMSF Borrowing: Benefits & limitations of borrowing through your SMSF](https://www.nobleoak.com.au/insights/benefits-and-limitations-of-borrowing-through-your-smsf/) - [Is Income Protection Worth It? The Pros And Cons](https://www.nobleoak.com.au/insights/is-income-protection-insurance-worth-it-some-of-the-pros-and-cons/) - [Updating beneficiary details: How to and why?](https://www.nobleoak.com.au/insights/updating-beneficiary-details-how-to-and-why/) - [What To Do With An Inheritance?](https://www.nobleoak.com.au/insights/what-to-do-with-an-inheritance/) - [When should you consider taking out life insurance?](https://www.nobleoak.com.au/insights/when-should-you-consider-taking-out-life-insurance/) - [The value of life insurance](https://www.nobleoak.com.au/insights/the-value-of-life-insurance/) - [NobleOak Life takes home the Money Magazine Best Direct Life Insurance Cover of the Year Award for 2024](https://www.nobleoak.com.au/insights/nobleoak-life-takes-home-the-money-magazine-best-direct-life-insurance-cover-of-the-year-award-for-2024/) - [What is Total & Permanent Disability (TPD) insurance?](https://www.nobleoak.com.au/insights/what-is-tpd-insurance/) - [Life insurance vs health insurance: what do you need to know?](https://www.nobleoak.com.au/insights/life-insurance-vs-health-insurance-what-do-you-need-to-know/) - [Outstanding Value Life Insurance 9 years running: NobleOak takes home 2024 Canstar Award](https://www.nobleoak.com.au/insights/outstanding-value-life-insurance-9-years-running-nobleoak-takes-home-2024-canstar-award/) - [NobleOak wins Mozo Experts Choice Life Insurance Company of the Year Award – for the 6th year in a row](https://www.nobleoak.com.au/insights/nobleoak-wins-mozo-experts-choice-life-insurance-company-of-the-year-award-for-the-6th-year-in-a-row/) - [Life Insurer of the Year - 3 years running - NobleOak takes home six awards at the WeMoney Insurance Awards](https://www.nobleoak.com.au/insights/life-insurer-of-the-year-3-years-running-nobleoak-takes-home-six-awards-at-the-wemoney-insurance-awards/) - [Are Australians currently happy and what are the factors which dictate happiness?](https://www.nobleoak.com.au/insights/are-australians-currently-happy-and-what-are-the-factors-which-dictate-happiness/) - [Empowering women in 2024](https://www.nobleoak.com.au/insights/empowering-women-in-2024/) - [NobleOak Clinches 9th Consecutive Canstar Outstanding Value Income Protection Award](https://www.nobleoak.com.au/insights/nobleoak-clinches-9th-consecutive-canstar-outstanding-value-income-protection-award/) - [How to be financially fit coming into the new year of 2024](https://www.nobleoak.com.au/insights/how-to-be-financially-fit-coming-into-the-new-year/) - [Five years of Platinum Trusted Service](https://www.nobleoak.com.au/insights/five-years-of-platinum-trusted-service/) - [What products sit under the umbrella of life insurance and how do they differ?](https://www.nobleoak.com.au/insights/what-products-sit-under-the-umbrella-of-life-insurance-and-how-do-they-differ/) - [Life insurance can provide peace of mind during the holiday season](https://www.nobleoak.com.au/insights/how-life-insurance-can-provide-peace-of-mind-during-the-holiday-season/) - [How To Save For The Holiday Season](https://www.nobleoak.com.au/insights/tis-the-season-to-save/) - [Money Magazine's Best Value Direct Income Protection Insurance, White Collar Managerial](https://www.nobleoak.com.au/insights/money-magazines-best-value-direct-income-protection-insurance-white-collar-managerial/) - [Overall Excellence Awarded to NobleOak at the 2023 Plan For Life Awards](https://www.nobleoak.com.au/insights/overall-excellence-awarded-to-nobleoak-at-the-2023-plan-for-life-awards/) - [How to Compare Life Insurance in Australia: Choosing the right provider for you](https://www.nobleoak.com.au/insights/choosing-the-right-provider-for-you-how-to-compare-life-insurance-in-australia/) - [NobleOak and KrisFlyer - Miles Better Together!](https://www.nobleoak.com.au/insights/nobleoak-and-krisflyer-miles-better-together/) - [Why holding Life Insurance cover may help you protect your home for your family](https://www.nobleoak.com.au/insights/why-holding-life-insurance-cover-may-help-you-protect-your-home-for-your-family/) - [NobleOak and Costco Join Forces](https://www.nobleoak.com.au/insights/nobleoak-and-costco-join-forces/) - [NobleOak Life Insurance: Eight years of Canstar Outstanding Value Awards](https://www.nobleoak.com.au/insights/nobleoak-life-insurance-eight-years-of-canstar-outstanding-value-awards/) - [Income Protection Insurance - What you should know before taking out cover](https://www.nobleoak.com.au/insights/income-protection-insurance-what-you-should-know-before-taking-out-cover/) - [NobleOak secures year on year wins at the WeMoney Insurance Awards](https://www.nobleoak.com.au/insights/nobleoak-secures-year-on-year-wins-at-the-wemoney-insurance-awards/) - [NobleOak named Best Life Insurance Company of the Year in 2023 Mozo Experts Choice Awards – for the fifth year in a row.](https://www.nobleoak.com.au/insights/nobleoak-wins-the-mozo-best-life-insurence-of-the-year-2023-2/) - [NobleOak wins the Finder ‘Best Life Insurer’ Award for 2023](https://www.nobleoak.com.au/insights/nobleoak-wins-the-finder-best-life-insurer-award-for-2023/) - [Where do Australians get their financial advice?](https://www.nobleoak.com.au/insights/where-do-australians-get-their-financial-advice/) - [NobleOak Wins Best Life Insurance at the DBM 2023 Awards](https://www.nobleoak.com.au/insights/nobleoak-wins-best-life-insurance-at-the-dbm-2023-awards/) - [A post-pandemic look at Australian health and wellbeing](https://www.nobleoak.com.au/insights/a-post-pandemic-look-at-australian-health-and-wellbeing/) - [How Australians are preparing for financial uncertainty](https://www.nobleoak.com.au/insights/uncertainty-looms-australians-prepare-for-turbulent-times-ahead/) - [NobleOak launches its 2023 Life Insurance Industry Whitepaper](https://www.nobleoak.com.au/insights/nobleoak-launches-its-2023-life-insurance-industry-whitepaper/) - [NobleOak: Providing Outstanding Value Income Protection for 8 years](https://www.nobleoak.com.au/insights/nobleoak-providing-outstanding-value-income-protection-for-8-years/) - [NobleOak receives Fourth Feefo Platinum Trusted Service Award](https://www.nobleoak.com.au/insights/nobleoak-receives-fourth-feefo-platinum-trusted-service-award/) - [Making a claim with NobleOak](https://www.nobleoak.com.au/insights/making-a-claim/) - [WeMoney's Life Insurer of the Year 2022](https://www.nobleoak.com.au/insights/wemoney-insurance-awards-2022/) - 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