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TPD Insurance

Discover a smarter way to insure your future with NobleOak’s award-winning Total & Permanent Disablement (TPD) Insurance


Maximum Cover Level


NobleOak’s Premium Life Direct products include comprehensive Total and Permanent Disablement (TPD) Insurance cover for up to $5,000,000. This cover is available only when accompanied with Life insurance cover and the amount of cover can be equal to or less than the Life insurance cover.

In the event you become totally and permanently disabled due to severe sickness or injury, NobleOak will pay the full sum insured as a lump sum and this will be drawn down against the value of your Life Insurance cover.

Entry Age


To be eligible for TPD cover, you must be an Australian Resident aged between 16 and 64. Our TPD cover is priced using stepped premiums, which means your premiums will increase each year in line with your age and CPI (where your monthly benefits are indexed to keep pace with inflation).

Guaranteed Renewable Age


Provided you pay your premiums as they fall due, NobleOak guarantees to renew your Total and Permanent Disablement cover each year up to the age of 75. Your TPD Insurance cover will not be cancelled, nor will your premiums be increased, due to any future change in your state of health, lifestyle, occupation or pastimes.


Any or Own

Under TPD cover, you have the option to choose your Occupational Definition. You can choose between “Own Occupation” or “Any Occupation” definition.   Please note that if your occupation is classified as Heavy Blue Collar (HBC), only the “Any Occupation” definition is available. For full details regarding these definitions, please refer to the NobleOak Premium Life Direct PDS.

Advice Benefits


We appreciate that you may need to seek professional financial advice to ensure that the proceeds of a TPD claim payment provide you with appropriate financial security and with this in mind, we will reimburse the costs of engaging a qualified, licensed financial adviser, (up to $2,000) if you require, to prepare a financial plan for you when we pay any TPD benefits in excess of $200,000.

NobleOak’s Premium Life Direct products include comprehensive Total and Permanent Disablement (TPD) Insurance cover for up to $5,000,000. This cover is available only when accompanied with Life insurance cover and the amount of cover can be equal to or less than the Life insurance cover.

In the event you become totally and permanently disabled due to severe sickness or injury, NobleOak will pay the full sum insured as a lump sum and this will be drawn down against the value of your Life Insurance cover.

Life Insurance Features

Indexation Protection

To help protect you against inflation, your cover amount will increase each year using the Consumer Price Index (CPI). Your premiums will be adjusted accordingly with these increases.

Dedicated Claims Support

If you or your family need to make a claim, you’ll be assigned a dedicated Claims Consultant based here in Australia. This consultant will support you throughout the claim process.

Cover with Global Backing

NobleOak’s products are backed by Hannover Life Re, a leading global reinsurer. We are also an APRA-regulated Life Insurer with a history dating back over 140 years.

TPD Benefits

If you become totally and permanently disabled due to a severe sickness or injury, NobleOak will pay you the full sum insured under your cover as a lump sum. If your sum insured is more than $3,000,000, the cover in excess of this amount will be assessed on our “Any Occupation” TPD definition.

Total and Permanent Disablement means, where solely as a result of your ill-health (whether physical or mental):

  • You have been absent from work (or Domestic Duties) for a continuous period of at least 6 months, and at the end of those 6 months, we are reasonably satisfied that your ill-health (whether physical or mental) makes it unlikely that you will:
    • If the ‘Own’ Occupation definition applies: ever again engage in your own occupation.
    • If the ‘Any’ Occupation definition applies: ever again engage in any gainful employment for which you are reasonably qualified by education, training or experience.
    • If the ‘Domestic Duties’ definition applies: ever again be able to perform your usual unpaid Domestic Duties; or
  • You have suffered Loss of Limbs and/or Sight; or
  • You have suffered Loss of Independence.

Subject to:

  • If this cover is held by a trustee of a superannuation fund, the ‘Any Occupation’ definition will apply.
  • If at the time of claim you are not gainfully employed for at least 15 hours per week and you are under the age of 65, the ‘Domestic Duties’ definition will apply.

Premium Freeze Option

You can fix the cost of your cover at any time by writing to us with a request to freeze your premium payment 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 TPD cover sum insured will be reduced to match the amount of cover that could be purchased with frozen premium.

You can write to us at any time to end your Premium Freeze request and your cover will return to normal  increases on the next anniversary of your cover.

Future Increases Benefit

You can increase your cover amount without the need to provide further medical evidence if one of the following events occurs:

  • You marry
  • You  register a new business partnership
  • You take out or increase a mortgage on your primary place of residence
  • You or your partner gives birth to or adopts a child.

ASIC & APRA Regulated Cover

NobleOak Life Limited (NobleOak) is regulated by ASIC and APRA in accordance with section 16C of the Life Insurance Act.

Here's What Our Clients Are Saying

Dear Noble Oak claims Team, Thank you for all your help and assistance during this difficult time. You guys have all been fantastic every step of the way, and have been really helpful in communicating with me during rehab etc. My family and I would have really struggled during this period without your financial support. Once again thank you and all the best. Special mention to Sophie for having to deal with me early on!
09 March 2020
Affordable insurance and fast friendly service.
11 December 2019
I was kept up to date through the whole process, very friendly service.
27 March 2019
Their Customer Service was first rate. Everyone I dealt with through the application process was fabulous. They kept me informed every step of the way and I didn't need to follow up on anything. Very impressed. Would thoroughly recommend them.
, SA
26 March 2019
Great to deal with. Kept me in the loop throughout the whole process. Good level of communication and I made significant savings on my life insurance premiums over the competitors.
11 March 2019
Excellent customer service. The process to buy Income Protection Insurance was very easy and the customer service team very helpful and knowledgeable. After I had applied I requested some additional information which was sent to me within a day. That's great customer service to have a good response time even after the initial sale had been made by Noble Oak.
04 March 2019
Your representative was patient, concise, understanding and above all very pleasant to speak and deal with. It was his influence that had me convinced to proceed with your product.
27 February 2019
Excellent to deaf customers. They communicate well to deaf customers by using sms texts and emails. Other companies just ring my number all day long.
26 February 2019
Great service. The customer service is great. They are friendly and very helpful and it was a pleasure dealing with them.
20 February 2019
I am very pleased with Noble Oak and the ease with which the transaction was finalised. I wouldn't hesitate to use them again or to recommend them to my family and friends.
06 February 2019
Each phone call and email was answered by a person who knew the answers to my queries very polite and courteous at all times.
24 January 2019
Very helpful, informative and great communication. I’m very happy to have been approved into the Noble Oak community Happy customer that’s me!
16 January 2019
It's good for elderly people. Quite affordable and good conditions.
19 December 2018
Great service, honest advice, prompt follow up, extremely competitive premium and deal. Thanks Noble Oak.
23 November 2018
Superb and excellent! The premium is much lower compared to the others. The process of getting their insurance is fast and well coordinated.
21 November 2018
They were helpful, friendly and nothing seemed to be an issue for them even when I needed to amend some of the questions on the proposal. I received phone calls to advise of the next step and the Nurse that came to our house on a weekend was so friendly and professional in her duties.
20 November 2018
Fantastic customer service, competitive costs for income protection attracted me to switch over from other insurance. Follow up by NobleOak team including approval of quote is excellent and made me comfortable and happy. Highly recommend this income protection policy.
15 November 2018
Was a quick and easy process. Price is a lot cheaper than other providers.
, NT
31 July 2018
Fantastic customer service and the explanation of the product was clear and concise. Value for money.
26 July 2018
Very professional, helpful and friendly service. My new life insurance policy was processed efficiently and I was contacted during each step of the process.
, WA
26 July 2018

How to Apply

  • Get a Quote

    One of our friendly insurance specialists will help you complete your Life and TPD Insurance quote over the phone or online.

  • Apply

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

  • Get covered

    We”ll assess your application. If you require medical tests we’ll pay for them and keep you updated on your progress.

Frequently Asked Questions

What is TPD Insurance?

TPD or Total and Permanent Disablement Insurance is a popular and important type of cover that is often purchased as an optional extra with Life Insurance. This type of cover is designed to help with financial security by paying a lump sum if you become severely disabled as a result of severe illness or injury and are unable to return to work again.

How much TPD Insurance do I need?

Working out how much TPD cover you need in the event of a catastrophic injury or illness can be challenging, however, this need not be difficult. The amount of cover will depend on your individual circumstances and considerations; will include your overall debts and replacement of lost (future) income, your existing and potential needs, as well as the cost of treatment and rehabilitation. TPD Insurance cover is available from NobleOak when accompanied with life cover issued by us. At NobleOak, you can apply for an amount of TPD Insurance Cover up to your Life Cover sum insured, to a maximum of $5 million. Any approved claim for TPD will reduce your Life Insurance cover by the amount of the TPD payment.

Can I buy Life and TPD insurance together?

For complete peace of mind, TPD Cover is available to purchase alongside Life Insurance with NobleOak. Obtaining TPD means you are taking extra measures to protect yourself and your loved ones from potential financial hardship in case you were to become permanently disabled. You can find out more about combining policies and applying for a quote online. We don’t make TPD insurance available as a ‘stand alone’ policy.

How can I use my TPD Insurance payout?

Providing you meet certain requirements, you can expect to receive a Total and Permanent Insurance Disability payout from NobleOak as a lump sum. You are free to use this payout in any way you choose, like modifying your home, buying specialised equipment, replacing lost income or settling mortgage and credit card debt. At NobleOak, if your payment exceeds $200,000, then an additional $2,000 is available to use for independent financial advice to assist you with managing your money.

Can I get a TPD Insurance quote online?

Contact NobleOak on 1300 041 494 to speak to one of our Insurance Specialists to learn more about getting the right TPD Insurance for you. Although we can’t provide personal advice, we can explain the features and benefits of our products and answer any questions you have relating to our cover, so you can access and obtain the cover you need.

Visit our FAQ page to find out more information on NobleOak’s TPD Insurance product. The insurance is subject to the terms and conditions in the PDS which contains the relevant information including any exclusions.

Terms & Conditions

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Product PDS

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