Total & Permanent Disability Insurance

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.
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Customers rate us 4.6
Based on 385 Service Ratings over the past year
Customers rate us 4.6

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

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


Maximum Entry Age

59 years old

Guaranteed Renewable Age

75 years old

Financial Advice Benefit


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 it’s always advised to read the Product Disclosure Statement (PDS) and compare covers before you apply for Life Insurance.

Download the Product Disclosure Statement (PDS)

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.

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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Other NobleOak products to consider

Life Insurance

Protect your family against unforeseeable financial burden if you were to pass away unexpectedly, by providing them with a lump sum payment.

Income Protection

Receive regular payments to replace some of your income if you suffer a sickness or injury and can no longer work.

Trauma Insurance

Receive a lump sum payment to assist with you recovery if you are diagnosed with one of the 37 serious medical conditions listed within our PDS.

Tools and guides

Find out how much Life Insurance and Income Protection cover you may need.

Life Insurance calculator

Calculate how much cover you may need to protect you and your family.

Life Insurance guides

Explore information about the value of Life Insurance for key life stages from starting out as a young adult, to downsizing and retiring.

Help protect your family with
NobleOak, Australia's most awarded
Direct Life Insurer 2020

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