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Trusted Life Insurance Solutions in Australia
NobleOak has been providing quality life insurance solutions to Australians for over 140 years, rooted in the noble purpose of protecting families during life's most challenging moments. We operate with a commitment to transparency, eliminating unnecessary overheads and commissions to deliver competitive premiums while maintaining exceptional service standards. Our fully underwritten insurance policies ensure greater certainty during claims, with 100% of life cover claims accepted in 2024 compared to the industry average of 91.8%.Backed by Hannover Life Re, we offer comprehensive coverage including life, income protection, TPD, and trauma insurance, with dedicated Australian-based claims case managers processing payments within three business days on average. Recognized as Australia's most awarded direct life insurer for six consecutive years (2019-2024), we combine industry expertise with innovative approaches like our patented underwriting process and financial planning support services.
Services
Life Insurance
Income Protection
TPD Insurance
Trauma Insurance
Business Expenses Insurance
Highlights and features
- 140+ years of industry experience with heritage dating to Australia's first benevolent societies
- 100% life cover claims accepted in 2024 vs industry average of 91.8%
- Fully underwritten policies with no hidden clauses or tricks
- Dedicated Australian-based claims case managers
- Award-winning service with nine consecutive Canstar Outstanding Value Awards
Associations and certifications
- Canstar Outstanding Value Award
- ANZIIF Life Insurance Company of the Year
What people say
Award-winning service
Fast claims processing
Competitive premiums
Dedicated case managers
Transparent policies
Services
Life Insurance
NobleOak Life Insurance provides financial protection through lump sum payments upon death or terminal illness diagnosis. Policies offer coverage from $50,000 up to $25 million with guaranteed renewability until age 99. Our fully underwritten process ensures 100% claim acceptance rates in 2024, with funeral advance benefits and premium freeze options available. Backed by Hannover Life Re, we provide comprehensive protection for mortgages, debts, and family support needs.
Income Protection
This insurance replaces up to 70% of income during sickness or injury-related work absences. Available with waiting periods from 30 days to 730 days and benefit periods up to age 65. We offer tax-deductible premiums and rehabilitation support with 12-month premium freeze options during claim periods. Policies include return-to-work assistance and CPI-indexed benefit increases after 12 months of claims.
TPD Insurance
Total and Permanent Disability insurance provides lump sums up to $5 million for permanent work incapacity. Available with 'own occupation' or 'any occupation' definitions, this cover includes home modification assistance and financial planning support. Policies integrate with life insurance coverage while maintaining distinct claim criteria based on medical and occupational assessments.
Trauma Insurance
Covers 37 serious medical conditions including cancer, heart attack, and stroke with payouts up to $2 million. Standalone or life insurance rider options available with 14-day survival period requirements. Includes coverage for treatment costs, lifestyle modifications, and income replacement during recovery periods, with enhanced policy benefits since 2017.
Business Expenses Insurance
Monthly payments protect business owners against income loss from sickness or injury. Covers fixed operating costs with benefit periods up to 10 years. Integrates with personal insurance strategies while maintaining separate claim criteria focused on business continuity needs for Australian enterprises.
Questions
What types of insurance does NobleOak offer?
We provide life, income protection, TPD, trauma, and business expenses insurance with customizable coverage options.
How are claims processed?
Dedicated Australian case managers process claims within three business days on average with 100% life cover acceptance in 2024.
Can I get coverage as a tradie?
Yes, we offer specialized income protection and trauma cover for tradespeople with occupation-specific considerations.
What makes NobleOak different?
We combine 140+ years heritage with direct-to-consumer pricing and 100% claim acceptance rates since 2019.
Are premiums tax deductible?
Life insurance premiums aren't tax deductible, but benefits are generally tax-free. Consult your tax advisor for specifics.
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