NobleOak has won Finder's best life insurer award 5 years running – from 2019 to 2023. It offers up to $25,000,000 in cover, which is more than most. It also lets you to increase cover in the future by 20% without another medical assessment. On average, its premiums are around 20% lower than comparable cover.
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You pay the same price as buying directly from the life insurer.
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We've done 100+ hours of policy research to help you understand what you're comparing.
There's no adviser with NobleOak's Premium Life Direct policy, which means no adviser fees. It's good if you're happy to work out how much life insurance you need yourself but less so if you want the security of a financial adviser.
NobleOak life insurance comes with the following benefits:
You can add the following optional extras onto your NobleOak life insurance policy:
Finder's data and insights experts created a rating algorithm to compare 10 life insurance policies in Australia across pricing and key features. Our 2023 winners are:
NobleOak Life Insurance
1st place in Finder Awards
Maximum Cover
$25,000,000
TPD Cover
Yes
Trauma Cover
Yes
TAL Accelerated Protection Life Insurance
2nd place in Finder Awards
Maximum Cover
No set limit
TPD Cover
Yes
Trauma Cover
Yes
Prices in the table below are an average taken from NobleOak based on a non-smoking office worker. These prices show an average weekly premium and should only be taken as a rough guide. We got these quotes in October 2022 and are subject to change.
| Age | $200,000 coverage | $500,000 coverage | $1,000,000 coverage |
|---|---|---|---|
| 20 | $2.17 | $4.45 | $7.92 |
| 30 | $1.87 | $3.84 | $6.83 |
| 40 | $2.51 | $5.15 | $9.16 |
| 50 | $6.61 | $13.55 | $24.13 |
| 60 | $23.63 | $48.43 | $86.23 |
| 65 | $43.68 | $89.55 | $159.45 |
| Age | $200,000 coverage | $500,000 coverage | $1,000,000 coverage |
|---|---|---|---|
| 20 | $4.56 | $9.36 | $16.66 |
| 30 | $2.84 | $5.83 | $10.38 |
| 40 | $3.27 | $6.70 | $11.93 |
| 50 | $8.86 | $18.17 | $32.34 |
| 60 | $36.06 | $73.92 | $131.62 |
| 65 | $71.07 | $145.69 | $259.40 |
This is the percentage of claims a life insurer pays out. It's based on data from Australian Prudential Regulation Authority (APRA) covering the 12-month period from 1 July 2021 to 30 June 2022. Taken from 18 Australian life insurance underwriters (of direct policies).
All policies have exclusions. These are some of the main exclusions NobleOak will not cover and they're all very similar to other insurers:
For a full list of exclusions, read the product disclosure statement (PDS).
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