Life Insurance
that's all about you
National Seniors have partnered with award winning^ insurer NobleOak Insurance. Help protect what matters most.
Introducing NobleOak
Help financially secure yourself and your family with NobleOak, an Australian independent Life Insurer with a 145-year heritage. NobleOak offer Life Insurance the way it is meant to be, combining quality, no-surprises cover with personal service and competitive premiums. You can apply for Life cover up until age 74 and cover can be renewed until age 99.
NobleOak only offers fully-underwritten cover which means they will ask you a series of health and lifestyle questions and assess you at point of application, which helps to avoid delays and surprises at claim time.
Join National Seniors Australia today and receive a 17% lifetime discount on Life cover*
National Seniors Australia is a not-for-profit organisation established in 1976. We rely on people like you to become a member, or use our services, so we can continue to tackle issues such as age discrimination, accessible housing, pension poverty, health costs, aged care and improve retirement income.
We also have a range of discounts and benefits to help with the rising cost of living. For only $49.50, anyone can become a member and it only takes a few minutes to join.
National Seniors is a marketing partner with NobleOak. We present factual information only about NobleOak’s products. We do not provide any financial advice or services. Any financial advice on this page is general advice only, from NobleOak Life Ltd AFSL 247302. Always consider your own situation, and the PDS and TMD provided by NobleOak. See further details in notice at foot of the page.
Death Benefit
If you die while your insurance is in force, we’ll pay the Sum Insured as a lump sum to your nominated beneficiaries or estate.
Australian residents between the ages of 16 and 69 can apply for up to $25,000,000 in cover. Aged 70-74? You can still apply for up to $500,000 in Life cover.
Funeral Advance Benefit
We will advance $30,000 of your Death Benefit as soon as we receive the death certificate and proof of age. If a death certificate isn’t available, we’ll consider other equivalent evidence, acting reasonably.
Terminal Illness Benefit
If you become terminally ill, we’ll advance the Death Benefit. To be eligible:
- Two Medical Practitioners (at least one being a Specialist Medical Practitioner in an area related to your Sickness or Injury) must certify (either in two individual reports or one joint report) that you suffer from a Sickness or Injury which is likely to result in death within 24 months of the most recent certification.
Where certification is issued by way of individual reports from two separate Medical Practitioners, both certifications must include diagnosis and life expectancy. The date of certification shall be taken to be the date of the most recent certification.
Financial Advice Benefit
We’ll reimburse the cost of you or your spouse/partner engaging a licensed financial adviser, up to $5,000, to prepare a financial plan if we pay a benefit of more than $200,000 for death or terminal illness.
If your Sum Insured is more than $1 million and your insurance has been in place for at least 2 years, the upper limit on this benefit is increased to $10,000.
You must send us suitable evidence of paid invoices within 12 months of the claim payment. The financial adviser must be operating under an appropriate Australian Financial Services License. This benefit is payable once only.
Family and Carer Support Benefit
This is a package of benefits to help support you and your family upon payment of a terminal illness or death benefit, should you or your family be eligible. The Family and Carer Support Benefit is payable on meeting the below criteria, in addition to your Sum Insured. The maximum and total payable under the Family and Carer support benefit is $25,000 per Life Insured on satisfaction of the benefits and conditions below, with necessary evidence at claim time.
Grief Counselling Benefit
We understand that your death or diagnosis with a terminal illness can be a very emotional time. That is why we will reimburse the cost of grief counselling services for you, your spouse or your partner, up to $2,000, if we pay a benefit for death or terminal illness.
Premium Freeze Benefit
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 that:
- Your future premiums will be fixed at the amount you were paying on the date of notification
- Each year your cover amount will be adjusted to the amount of cover that can be purchased for the frozen premium.
You can contact us at any time to end the Premium Freeze Benefit and the premium freeze will end on the next anniversary of your cover.
This brochure aims to shed light on Life Insurance during these turbulent times. We believe that knowledge empowers and equips you to make informed decisions that can safeguard not only your own future but the future of your loved ones.
We encourage you to explore this brochure to discover the full range of benefits that life insurance can offer.
Call NobleOak's friendly and experienced team on 1300 041 494
Monday to Thursday 8am to 9pm AEDT, Friday 8am to 7pm AEDT
Help protect your family
It may be something you don’t often think about, but would you have the finances in place to enjoy the lifestyle you and your family are accustomed to if life took a turn for the worse?
Notify NobleOak
To make a claim, please notify the Claims Team on 1300 551 044. They will walk you through the process, send you a claim form and explain which documents are required.
The Target Market Determination for NobleOak’s My Protection Plan insurance is available on our website http://www.nobleoak.com.au/target-market-determination
Insurance cover is issued by the insurer, NobleOak Life Limited ABN 85 087 648 708 AFSL No. 247302.
Remuneration disclosure - National Seniors receives on ongoing fee from NobleOak equivalent to 12.5% of premiums (and Member Solutions Pty Ltd receives 5.5% for its role as programme design consultant) for insurance cover acquired as a result of the marketing arrangement; this is at no additional cost to customers.
To be eligible to apply for Life Cover with NobleOak, you must be an Australian Resident between the ages of 16 and 74. Our Life Insurance products are priced using stepped premiums. This means that your premiums will increase each year in line with your age and also due to CPI increases on your sum insured which helps to protect against inflation.
My Protection Plan is issued by NobleOak Life Limited ABN 85 087 648 708 AFSL No. 247 302. Address:
44 Market Street Sydney NSW 2000. Phone: 1300 041 494. Email: sales@nobleoak.com.au. Cover is available to Australian residents and is subject to the terms and conditions of the My Protection Plan Product Disclosure Statement (PDS). This information is of a general nature only and does not take into consideration your individual circumstances, objectives, financial situation or needs. Please also read the NobleOak Financial Services Guide. Before you purchase an insurance product you should carefully consider the PDS to decide if it is right for you. People who seek to replace an existing Life Insurance policy should consider their circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. NobleOak cannot provide you with personal advice, but our staff may provide general information about NobleOak Life insurance. By supplying your contact details, you are consenting to be contacted by NobleOak, in accordance with the NobleOak Privacy Policy.
Initial quotes are indicative only. Cover is subject to underwriting and confirmation of acceptance by NobleOak, including the terms and conditions of the PDS. Your age, occupation, pastimes, gender, sum insured, smoker status and health will determine the actual premium amount (including any applicable premium loading) charged by NobleOak.
*National Seniors members are entitled to a 17% discount (which remains for the life of the cover) on NobleOak’s My Protection Plan standard premium rates on term Life Insurance cover (not in conjunction with a discount from any other program).
The offer(s) are available for new customers only and can be used only once. Not able to be used in conjunction with another advertised offer.
#Feefo rating 4.7/5. Based on 113 Service Ratings over the past year (16 January 2025)
