Premium Life Direct
Award-winning, fully underwritten Life Insurance – directly to you.
The smarter way to protect yourself and your loved ones
Premium Life Direct offers the comprehensive Life Insurance you would normally access through a financial adviser.When you choose NobleOak, you’re choosing a trusted Australian insurer with over 140 years of experience and customer client service that’s second to none.
Please refer to the Premium Life Direct Product Disclosure Statement for more information.
No surprises cover
We take the time to get to know you up front. Your cover is fully underwritten and tailored to you. That gives you
more certainty at claim time.
Lower premiums
Our Life cover premiums are on average 20%* lower than comparable cover. This is because we don’t pay adviser fees and pass the savings back to you.
Personal service
You speak to a local person and we guide you through your application. That’s why we received a satisfaction score of 95.8%* from our clients.
Award winning cover.
With NobleOak, you can feel secure knowing you’re covered by the winner of Canstar Outstanding Value, Strategic Insight Overall Excellence and FEEFO Gold Trusted Services awards.
Life Insurance tailored to you.
NobleOak offers a full range of cover types, so you can combine
the cover you need in one product.
Protect the financial security of your loved ones if you die or are diagnosed with a terminal illness. Up to $15 million of cover available.
Income Protection Insurance
Protect your income if you become ill or injured and can’t work. Provides up to 75% of your income (up to $25,000 per month).
Total & Permanent Disability (TPD) Insurance
Protect yourself and your family from financial stress if you’re permanently disabled and unable to work. Up to $5 million cover available.
Trauma (Critical Illness) Insurance
Focus on your recovery if you suffer from a critical illness. 38 conditions are covered, including cancer, heart attack and stroke.
Business Expenses Insurance
Keep your business running if you can’t work due to illness or injury. Provides protection for fixed business expenses up to $25,000 per month.
SMSF Suitability
Our Life and TPD cover can be written within an SMSF. These covers meet all Superannuation Industry Supervision Act (SIS) requirements.
Get covered in 3 simple steps.
Step 1. Get a quote
Our friendly insurance specialists will help you get your free Life Insurance quote over the phone or online.
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 throughout the process.
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.
Terms and Conditions
View T&C's*Average Saving on Life Cover
The 20% savings quoted are the average savings when comparing NobleOak’s premiums for its Term Life cover under NobleOak’s Premium Life Direct product to the average cost of a range of Term Life insurance products offered by a number of other Life Insurance companies, including products available directly from the insurer (6 products included in this comparison) and those available for purchase through a financial adviser or broker (6 products included in this comparison).
Based on premium rates available as at April 2020, Plan for Life has calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 46% lower than other comparable Direct Offerings (using an analysis of 6 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60).
Plan for Life has also calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 10% lower than Advised Offerings (using an analysis of 6 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60 for Advised products).
Life Insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome.
Plan for Life (Actuaries and Researchers) is the leading independent supplier of Australian Life Insurance and Managed Funds market information, relied upon for over 20 years by the leading life offices, analysts, dealer groups and government bodies.
If you wish to see the comparison tables and how our premiums compare to Direct and Advised products, please click here.
#95.3% of NobleOak customers responding to our 2020 survey rated the service they received as either 'good' or 'excellent' (363 respondents)
*Average Saving on Life Cover
The 20% savings quoted are the average savings when comparing NobleOak’s premiums for its Term Life cover under NobleOak’s Premium Life Direct product to the average cost of a range of Term Life insurance products offered by a number of other Life Insurance companies, including products available directly from the insurer (6 products included in this comparison) and those available for purchase through a financial adviser or broker (6 products included in this comparison).
Based on premium rates available as at April 2020, Plan for Life has calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 46% lower than other comparable Direct Offerings (using an analysis of 6 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60).
Plan for Life has also calculated that for Term Life, Noble Oak’s Premium Life Direct product is on average 10% lower than Advised Offerings (using an analysis of 6 products, Male and Female non-smoker White Collar workers with a Sum Insured of $500,000 and across 5 year age bands from age 30 to age 60 for Advised products).
Life Insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome.
Plan for Life (Actuaries and Researchers) is the leading independent supplier of Australian Life Insurance and Managed Funds market information, relied upon for over 20 years by the leading life offices, analysts, dealer groups and government bodies.
If you wish to see the comparison tables and how our premiums compare to Direct and Advised products, please click here.
#95.3% of NobleOak customers responding to our 2020 survey rated the service they received as either 'good' or 'excellent' (363 respondents)