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Life Insurance

that's all about you

National Seniors have partnered with award winning^ insurer NobleOak to present their Life Insurance.

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Introducing NobleOak


Introducing NobleOak

Introducing NobleOak

Help protect 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 surprises at claim time.

Save on Life Insurance

Join National Seniors Australia today and receive a 17% lifetime discount on Life cover*

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.

What does NobleOak's Life Insurance cover provide?


This is information about Life Insurance cover, available within NobleOak's My Protection Plan. Other life insurance products (trauma, TPD and income protection covers) are also available within My Protection Plan.

Death Benefit

If you die while covered for Life Insurance, NobleOak will pay the agreed cover amount 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

NobleOak will quickly advance $15,000 of your cover amount to assist with funeral expenses, upon evidence of age and receipt of the death certificate.

Terminal Illness Benefit

If you become terminally ill, NobleOak will advance the Death Benefit cover amount instead of paying the Death Benefit when you die.

To be eligible for this payment:

- You must be diagnosed as being terminally ill by two Medical Practitioners, one of which is a specialist practising in an area related to the illness or injury suffered by you; and

- Their joint or separate diagnoses certify that you are suffering from an illness, or have incurred an injury, that is likely to result in death within 24 months of their certification.

Financial Advice Benefit

We understand that you or your estate may need some professional advice to ensure that the proceeds of a death or terminal illness claim payment are managed appropriately. That is why we will reimburse the cost of engaging a qualified financial adviser, up to $2,000, to prepare a financial plan if we pay a benefit in excess of $200,000 for death or terminal illness.

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 $1,000, 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 write to us at any time to end the Premium Freeze Benefit and the premium freeze will end on the next anniversary of your cover.

Future Increases Benefit

You can increase your cover amount by the lesser of $100,000 or 20% of the original cover amount without the need to provide further medical evidence if one of the following allowable events occurs:

- You take out or increase a mortgage on your primary place of residence

- You marry, register a partnership, or commence a de facto relationship recognised at law

- You or your partner gives birth to or adopts a child

- Your child starts secondary school

- Your spouse dies

- You get divorced

Download free e-guide

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.

Download now

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Help protect your family

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?

How to make a claim


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.

Need help with your claim?

You can also complete the Claims Support Form if you need help making your claim.

Make a claim

Download our free e-guide


Important notice


*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 Life Insurance cover.

My Protection Plan is issued by NobleOak Life Limited ABN 85 087 648 708 AFSL No. 247302. Address: 44 Market Street, Sydney VIC 2000. Phone: 1300 108 490. Email: sales@nobleoak.com.au. Cover is available to Australian residents and is subject to acceptance of the application and the terms and conditions set out in the Product Disclosure Statement (PDS). This information is of a general nature only and does not consider your individual objectives, financial situation or needs. Before you purchase an insurance product you should carefully consider the PDS to decide if it is right for you. The PDS is available by calling NobleOak on 1300 108 490 or from www.nobleoak.com.au. Clients should not cancel any existing Life Insurance policy until they have been informed in writing that their replacement cover is in place. NobleOak cannot provide you with personal advice but our staff may provide general information about NobleOak Life insurance. Please note any online quotes are indicative only so please contact NobleOak on 1300 108 490 to apply for cover and to verify your actual premium, which will take into account your age, occupation, sum insured, health and pastimes. By supplying your contact details, you are consenting to be contacted by NobleOak, in accordance with NobleOak's Privacy Policy.

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.

^NobleOak Awards please see here[1]

#Feefo rating based on 154 service ratings over the past year (as at 5 September 2022).

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