Total and Permanent Disability (TPD) Insurance
Protecting Australian's when their lives are permanently impacted due to sickness or injury. Help protect your family with Nobleoak today.









Some key features of our TPD Insurance
Receive a lump sum payment if you become permanently disabled as the result of a sickness or injury and are unable to return to work.
Up to $5 million cover, paid as a lump sum
NobleOak's Premium Life Direct includes comprehensive TPD Insurance cover for up to $5 million.
Peace of mind regarding lifestyle change expenses
You are free to use the proceeds of a claim in any way you choose, like modifying your home, or replacing lost income.
Dedicated claims support
A dedicated claims consultant that will support you throughout the process.
Protecting Australians for over 140 years
One of Australia's longest standing life insurers with a heritage dating back over 140 years.
How much cover can I apply for?
Australian Residents between the ages of 16 and 59 who take out Life Insurance can apply for up to $5 million in cover.
Maximum Cover Level
$5,000,000
Maximum Entry Age
59 years old
Guaranteed Renewable Age
75 years old
Financial Advice Benefit
$2,000
What does our TPD Insurance cover provide?
If you become totally and permanently disabled due to sickness or injury, NobleOak will pay you the agreed cover amount as a lump sum. You can apply for an amount up to your Life Insurance sum insured, to a maximum of $5 million.
Note: Any portion of cover that is provided using the ‘Own’ Occupation definition will be limited to $3 million. If your occupation is Home Duties, the Domestic Duties definition for TPD will apply.
We understand that you may need some professional advice to ensure that the proceeds of a Total & Permanent Disability claim payment are managed appropriately. That is why we will reimburse the cost of engaging a qualified and licensed financial adviser, up to $2,000, to prepare a financial plan if we pay a TPD benefit in excess of $200,000.
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; and
- 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.
You can increase your cover amount by the lesser of $100,000 or 20% of the original cover amount without the need to provide further medical evidence if one of the following allowable events occurs:
- You take out or increase a mortgage on your primary place of residence
- You marry, register a partnership, or commence a de facto relationship recognised at law
- You or your partner gives birth to or adopts a child
- Your child starts secondary school
- Your spouse dies
- You get divorced
Policies, terms and conditions vary between Insurance Providers, so itβs always advised to read the Product Disclosure Statement (PDS) and compare covers before you apply for Life Insurance.
Why choose NobleOak Life Insurance?
Low premiums
Fully underwritten insurance
Simple & straightforward
Award winning
Other NobleOak products to consider
Tools and guides
Find out how much Life Insurance and Income Protection cover you may need.
Help protect your family with NobleOak, Australia's most awarded Direct Life Insurer 2020

