Existing customers – for more information regarding recent changes to your Income Protection or TPD insurance please click here

Existing customers – for more information regarding recent changes to your Income Protection or TPD insurance please click here

Life Insurance Calculator

Find out how much Life Insurance and other covers you may need and receive your free Life Insurance report.
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How much do I need?

It can be difficult to know how much Life Insurance or Income Protection cover you may need. We've designed our Life Insurance Calculator as a tool to help people think about what levels of cover they might need. It only takes 5-10 minutes to use.

What we calculate

This calculator helps determine the amount of cover you and your family may need in 5 easy steps. The assessment includes all Life Insurance covers, including Life Insurance, Income Protection Insurance, TPD Insurance and Trauma Insurance.

Free Insurance calculator report

Our insurance calculator tool can provide you with a report showing levels of insurance cover you may wish to consider based on the information entered by you into the tool. It also provides an overview of covers which might be important for you to think about when you are considering your situation.

Life Insurance - how much might I need?

Award winning calculator

NobleOak is always looking to provide the best service to help our clients, and our online calculator is one way we can help you consider how much cover you may need. Recently we won the 'Life insurance Product Innovation of the Year' award for our online calculator.


The methodology and assumptions used in the NobleOak Life Insurance Calculator have been reviewed and audited by RiceWarner, a leading independent provider of research and actuarial advice to the Australian Financial Services Industry.

Insurance products tailored for you

NobleOak offers a full suite of award winning insurance products, allowing you to choose a combination of covers that are right for you. All of our products are fully underwritten, which means we ask you more questions upfront giving you more certainty at claim time.

Trauma Insurance

A lump sum payment to assist with your recovery if you suffer from one of 38 serious medical conditions listed in our PDS.

TPD Insurance

Help protect yourself and your family from financial stress if you're permanently disabled
and unable to work.

Business Expenses Insurance

Receive a monthly payment during your benefit period if you can't work due to sickness or injury, to help cover the fixed running costs of your business.

4 Reasons to choose NobleOak

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

Low insurance premiums

At NobleOak, you buy directly from us,
so you don't pay for
unnecessary overheads.

Fully underwritten insurance

We only offer fully underwritten cover.
This minimises the risk of unforeseen delays
or surprises in the event of a claim.

Simple & straightforward policies

We aim to avoid overly complex terms.
We simply provide a range of great value,
quality cover options.

Award winning life cover

We are the only Life Insurer to win the Canstar Outstanding Value Award for Direct Life Insurance for eight consecutive years from 2016 to 2023.

Help protect your family with
Australia's most awarded direct life insurer
five years running (2019 - 2023)

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