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  • Australia’s most awarded direct Life Insurer of 2020^
  • NobleOak also offers Income Protection, Trauma and TPD Insurance
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Annual Income is your personal exertion income including superannuation from your occupation. If you are employed, provide your Gross Income before tax plus superannuation contributions made by your employer. If you are self-employed, provide your Net Income (Gross Income less expenses before tax).
Monthly Benefit
Choose a monthly benefit from $1,000 per month, up to a max of 75% of your monthly taxable income (to an overall max of $25,000 per month). Please note the amount paid for a claim will be subject to a maximum of 75% of your monthly income at the time of claim.
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Gross Annual Income
Annual Income is your personal exertion income including superannuation from your occupation. If you are employed, provide your Gross Income before tax plus superannuation contributions made by your employer. If you are self-employed, provide your Net Income (Gross Income less expenses before tax).
Monthly Benefit
Choose a monthly benefit from $1,000 per month, up to a max of 75% of your monthly taxable income (to an overall max of $25,000 per month). Please note the amount paid for a claim will be subject to a maximum of 75% of your monthly income at the time of claim.
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Why choose NobleOak Life Insurance?

While we are very proud of the cover we provide, a simple belief in ‘doing the right thing’ sets us apart.

Low premiums At NobleOak, you buy directly from us, so you don't pay for the cost of advice or for unnecessary overheads.
Fully underwritten insurance We only offer fully underwritten Life Insurance, tailored by you. This minimises the risk of unforeseen delays or surprises in the event of a claim.
Simple & straightforward We aim to avoid overly complex terms. We simply provide great value, comprehensive Life Insurance.
Award winning We are the only Life Insurer to win the Canstar Outstanding Value Award for Direct Life Insurance in five consecutive years from 2016 to 2020.

Maximum Cover Level

$15,000,000

Maximum Entry Age

69 years old

Guaranteed Renewable Age

99 years old

Terminal Illness Benefit

Yes

What does a Life Insurance policy provide?

If you die while covered for Life Insurance, NobleOak will pay the agreed cover amount as a lump sum to your nominated beneficiaries or estate.

 

You can apply for cover up to $15 million, although higher amounts will be considered where it can be justified.

NobleOak will quickly advance $15,000 of your cover amount to assist with funeral expenses, upon evidence of age and receipt of the death certificate.

If you become terminally ill, NobleOak will advance the cover amount up to a maximum of $3 million. Any remaining cover will remain in place until you die, when the balance is paid.

 

To be eligible for this payment:

 

  • You must be diagnosed as being terminally ill by two Medical Practioners, one
    of which is a specialist practicing in an area related to the illness or injury suffered
    by you; and
  • Their joint or separate 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 their certification.

*If the cover is to be owned by a SMSF (as a Trustee Member), then a 24 month certification period applies.

We understand that you or your estate may need some professional 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, up to $2,000, to prepare a financial plan if we pay a benefit in excess of $200,000 for death or terminal illness.

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 amount will be adjusted to the amount of cover that can be purchased for the frozen premium.

You can write to us at any time to end the Premium Freeze Benefit and the premium freeze will end on the next anniversary of your cover.

Policies, terms and conditions vary between Insurance Providers, so it’s always advised to read the Product Disclosure Statement (PDS) and compare covers before you apply for Life Insurance.

Download our PDS

Australia's most awarded Direct Life Insurer 2020

Our outstanding value products and personal service has resulted in us being the most awarded Direct Life Insurer in 2020.
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Help protect your family with
NobleOak, Australia's most awarded
Direct Life Insurer 2020

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Customers rate us 4.6
Based on 274 Service Ratings over the past year
Customers rate us 4.6

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