Total and Permanent Disability Insurance

Get long-term financial support
if you can’t work again.

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Key features

  • Fully underwritten cover means ‘no surprises’ at claim time

  • Financial support when permanently disabled

  • Choice of three disability definitions

  • Winner 2016 Strategic Insight Direct Life Insurance Award for TPD Rider Option

  • Premium Freeze option

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Award winning optional extra with high cover levels

Total and Permanent Disability (TPD) Insurance is an optional extra on Life Cover that pays a benefit if you’re never able to work again because of a serious illness or injury.

With up to $5 million of cover, NobleOak’s TPD Insurance can help you get the financial support you need – with lower premiums and no upfront commissions.

 

 

TPD features

We’ve designed our TPD Insurance features to provide you with cover that’s tailored to your needs.

Award-winning cover

NobleOak has won the 2016 Strategic Insight Direct Life Insurance Award for TPD Rider Option. Strategic Insight (Actuaries and Researchers) is the leading independent supplier of Australian managed funds and Life insurance market information, relied upon for over 20 years by fund managers, life offices, analysts, dealer groups and government bodies.

      

High cover levels

You can apply for up to $5 million cover for total and permanent disability, without having to go through a financial adviser. That’s much higher than most direct insurers.

Low premiums

We don’t pay fees or upfront commissions to advisers. That means lower premiums for you.

Fully underwritten ‘no surprises’ cover

We take the time to get to know you upfront, so we can tailor your cover and premium. Giving you more certainty at claim time.

 

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Financial advice support

On top of your claim payment, we’ll reimburse you up to $2,000 for financial advice to help navigate a path forward. This is available when you take out $200,000 or more of cover.

Choice of disability definitions

Unlike many direct insurers, we allow you to choose from three disability definitions – ‘Own Occupation’, ‘Any Occupation’ and ‘Domestic Duties’. This means you can obtain cover that best suits your occupational situation and financial circumstances.

Premium freeze option

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:

  • Your future premiums will be fixed at the amount you were paying on the date of the notification; and
  • Each year your cover amount will be adjusted to the amount of cover that can be purchased for the frozen premium.

Apply over the phone

No one likes filling in long forms. That’s why we offer an easy application process over the phone, taking on average 20 mins.

Dedicated claims support

If you or your family make a claim with NobleOak, you’ll be dealing with a friendly, Australia-based claims consultant from start to finish. We’re here to make the process easy for you.

Backed by a global reinsurer

Our Life Insurance products are backed by a leading global re-insurer, Hannover Life Re. In 2016, Hannover Life Re paid out globally over $7.7 billion^ for Life and Health Insurance claims (and related expenses).

 

 

Who can apply

Australian residents between the ages of 16 and 64 can apply for NobleOak TPD Insurance.

 

Get covered in 3 simple steps

Step 1. Get a quote

One of NobleOak’s friendly insurance specialists will give you an obligation free Life Insurance quote over the phone.

Step 2. Apply

If you’re happy with the quote, you can apply immediately either over the phone or book a time for a call back.

Step 3. Get covered

We’ll assess your application. If you need medical tests we’ll pay for them and update you during the process.

 

Frequently Asked Questions

Find out more about our award winning TPD Insurance, from initial quote through to claims, we’re with you all the way.

 

What is TPD Insurance?

TPD Insurance pays a lump sum amount if the insured person becomes permanently unable to work because of a serious injury or illness. That money can be used to eliminate debt, pay for any home modifications and provide for any ongoing care needs.

How does a TPD Insurance cover work?

You can only apply for TPD Insurance as an optional extra with Life Cover. Once you are accepted for TPD Insurance, we guarantee to renew your cover every year up to age 75, as long as your premiums are paid.

How is my premium calculated?

Your premium is calculated based on your age and gender, occupation, level of cover, and your answers to the health and lifestyle questions we ask when you apply. It’s tailored to you, so you don’t have to worry about paying more to compensate for other people’s risks.

What details do I need to provide to assist with the application process?

If you have copies of any of your recent medical records or, blood test results and details of any prescription medicines you are taking, this will speed up the application and assessment process. Many clients are able to answer all of the questions in our application with no additional requirements necessary.

Are there any pre-existing condition exclusions in my cover that could come out at claim time?

No, all NobleOak applications are fully underwritten at the time you take the cover out.

As long as you fully and correctly disclose your medical history and other details in the application, your claim will be assessed based on this information and processed efficiently. Apart from the industry standard 13 month suicide exclusion, there are no other pre-built in exclusions with NobleOak Life Insurance.

If any Special Acceptance Terms are imposed on your cover, we tell you about these at the time of your initial assessment (underwriting stage) and formally agree these with you prior to issuing your cover. We firmly believe this is the best way to provide TPD Insurance as it provides more certainty and clarity for you and your family.

VIEW ALL TPD INSURANCE FAQS

 

Let’s get started

Request a quote or book a time to speak with one of our friendly insurance specialists and start saving with NobleOak today.

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Disclaimers