Give your family the ultimate gift of love with quality life insurance

Life insurance can help you protect your family financially if you suffer a serious illness or injury.

To help you get the cover you need, we've arranged affordable and comprehensive life insurance through NobleOak's My Protection Plan.

My Protection Plan provides:

  • Average savings of 20%* on premiums.
  • Up to $25 million Life Insurance, including cover for both death and Terminal Illness.
  • Optional Income Protection, Total and Permanent Disability (TPD) and Trauma Insurance.
  • A quick and easy application process.
  • A dedicated consultant at claim time.

Request an obligation-free quote →

 

The savings quoted are the average of the savings when comparing NobleOak's premiums for its Term Life cover under NobleOak's My Protection Plan product to the average cost of Term Life Insurance cover offered by a range of other Life Insurance companies, including products available directly from the insurer (6 products included in the comparison) and those available for purchase through a financial adviser or broker (6 products included in the comparison) and also applying the discount to standard rates. A premium comparison was undertaken in April 2020 by Plan For Life based on published premium rates.

Click here for more details on the premium comparison. Life Insurance rates for insurers, including NobleOak, may change since that time and this could change the outcome. Customers are entitled to a 15% discount on NobleOak's usual premium rates for its term life cover. Please call NobleOak on 1300 108 490 to apply for cover and verify your actual premium which will take into account your age, occupation, sum insured, health and pastimes. Did you know that in addition to term Life Insurance cover, NobleOak also offers Income Protection, TPD, Trauma and Business Expenses cover. The NobleOak Life website contains details.

To speak with a Life Insurance specialist call:

1300 041 494

Opening hours
8:00am-9:00pm Mon-Thu (AEST)
and 8:00am-6:00pm Fri (AEST)

Christian Insurance

View Life Insurance Details  

Find out how much you can save with a fast obligation free quote.

Smoker
Gender

Comprehensive cover for your financial security

  • Up to $25 million Life Insurance, including cover for both death and terminal illness.
  • An advance of $15,000 from your Life Insurance benefit paid to you quickly to cover funeral expenses upon evidence of age and receipt of the Death Certificate.
  • Optional TPD (Total and Permanent Disability) Insurance up to $5 million.
  • Optional Trauma Insurance up to $2 million as a lump sum payment (with Life Insurance or as a stand-alone policy) covering 38 medical conditions.
  • Optional Income Protection Insurance of up to $30,000 (maximum payment) per month.

 

Peace of mind

  • Your health is assessed upfront so you know exactly what you're covered for.
  • Easy application process over the phone through an Australian-based contact centre.
  • Free Accidental Death cover during application assessment period.

 

You're in safe hands with a fast and hassle-free claims process

  • Dedicated local claims specialist to look after your claim.
  • All eligible claims are paid promptly under the condition that all questions are answered truthfully and completely during the application process and our investigations are satisfactory.
  • Your policy is backed by one of the largest re-insurers in the world, Hannover Life Re.

Life Insurance

Life Insurance provides a lump sum payment if you die or become terminally ill, helping you clear your debts and support your family.

  • Up to $25 million cover available.
  • Average savings of 20%* on premiums.
  • $15,000 of the agreed cover will be advanced to you to assist with funeral expenses^.

Get a quote →

 

Total and Permanent Disability (TPD) Insurance

TPD Insurance is optional cover that provides a benefit in the event you become totally and permanently unable to work** due to accident, illness or suffering with a serious medical condition. This cover provides a lump sum payment of:

  • up to $5 million in cover under an 'Any occupation' definition, or
  • up to $3 million in cover under an 'Own occupation' definition.

TPD Insurance could help you modify your home, replace lost income or clear debts.

Get a quote →

 

Trauma Insurance

Trauma Insurance is available either as a stand-alone cover or as an optional extra to Life Insurance.

The cover provides a lump sum payment in the event you are diagnosed with one of the 38 listed medical conditions.

Trauma Insurance helps you to cover debts like a mortgage, or any gap in medical expenses, Trauma Insurance may be important in helping to maintain your lifestyle and covering additional rehabilitation expenses to aid in your recovery.

Get a quote →

 

Income Protection Insurance

Choose cover of up to 75% of your income (up to $30,000 maximum payment per month) in case you can't work** due to sickness or injury, helping you support yourself, your family and cover essential living expenses. Premiums are usually tax deductible.

You can choose:

  • a benefit period of 2 years or to age 65,
  • a waiting period of either 30 days or 90 days.

Get a quote →

 

Business Expenses Insurance

Business Expenses Insurance is a financial back-up plan for the self-employed if you can't work** due to serious illness or injury.

It provides a maximum cover of $25,000 per month, to help pay ongoing wages and superannuation costs of your non-income producing staff and rent for your office or shop. Premiums are usually tax deductible.

Get a quote →

 

The savings quoted are the average of the savings when comparing NobleOak's premiums for its Term Life cover under NobleOak's My Protection Plan product to the average cost of Term Life Insurance cover offered by a range of other Life Insurance companies, including products available directly from the insurer (6 products included in the comparison) and those available for purchase through a financial adviser or broker (6 products included in the comparison) and also applying the discount to standard rates. A premium comparison was undertaken in April 2020 by Plan For Life based on published premium rates.

Click here for more details on the premium comparison. Life Insurance rates for insurers, including NobleOak, may change since that time and this could change the outcome. Customers are entitled to a 15% discount on NobleOak's usual premium rates for its term life cover. Please call NobleOak on 1300 108 490 to apply for cover and verify your actual premium which will take into account your age, occupation, sum insured, health and pastimes. Did you know that in addition to term Life Insurance cover, NobleOak also offers Income Protection, TPD, Trauma and Business Expenses cover. The NobleOak Life website contains details.

Get covered in 3 simple steps

Step 1: Get a quote

Step 1

One of NobleOak's friendly insurance specialists will help you get your Life Insurance quote over the phone. The quote will be emailed to you together with the My Protection Plan Product Disclosure Statement (PDS) and Financial Services Guide (FSG).

Step 2: Apply

Step 2

If you are happy with the quote, you can apply immediately either over the phone or book a time for a call back. NobleOak will complete the application for you based on your answers to the health and lifestyle questions.

Step 3: Get covered

Step 3

We'll assess your application. If you need medical tests we'll pay for them and keep you updated on your progress.

Life Insurance - Comparator

Life Insurance - Comparator

The Life Insurance cover provided through NobleOak's My Protection Plan has been independently reviewed by Plan For Life. The matrix above is an extract from the Plan For Life Direct Insurance Report © 2020. It clearly illustrates that NobleOak is a market leader with respect to price and features when compared to other Life Insurance providers.

Frequently Asked Questions

My Protection Plan is a Life and Income Protection insurance product which provides comprehensive cover that is normally offered through financial advisers.

It's designed for people who want to buy comprehensive cover, with lower premiums and great personal service.

Unlike other direct life insurance products, My Protection Plan provides cover of up to $15 million for Life and up to $5 million for TPD (Total and Permanent Disability). You can also add Trauma Insurance (optional with Life Insurance or available as stand-alone cover), Income Protection Insurance and Business Expenses Insurance (subject to approval).

It's very easy. If you're happy with your quote, NobleOak can take you through the application process over the phone.

NobleOak will then assess the application and confirm with you when it is approved.

It generally takes around 20-30 minutes to complete the application. The assessment process time can vary, depending on whether any medical information is required, and whether there are additional requirements (e.g. a medical report from your doctor). These requirements will be arranged by NobleOak at no charge to you.

When additional requirements are necessary, the process to finalise the underwriting decision may take between 10-20 working days, depending on how quickly the doctors can provide their reports. At all times, NobleOak will manage the requirements for you and keep you informed of the progress of your application.

That will depend on your age, the amount of cover requested, your answers during the application and the results of any investigations NobleOak may wish to undertake.

Many clients complete the health and lifestyle questions with no additional requirements. However, if some answers indicate that more information is required the process may take longer from start to finish.

It is best to come prepared for the application with details of your health history and knowledge of any current medications.

Of course. My Protection Plan is comprehensive and you can apply for these covers if required. It is designed that way so you only pay for the cover that you need.

Christian Insurance has arranged premium rates that are very competitive, especially compared to other direct life insurance products. Our rates don't factor in face-to-face financial adviser commissions so we pass these savings onto you.

My Protection Plan is underwritten by NobleOak Life Limited, which is regulated by APRA and ASIC like every other Australian life insurance company and is subject to stringent capital and reserving requirements.

NobleOak has been protecting Australians for over 140 years.

NobleOak products are reinsured by one of the largest global reinsurers, Hannover Life Re, for extra security.

To generate a quote, NobleOak requires your name, date of birth, gender, whether you smoke or not, type of cover wanted, and the amount of cover sought.

They'll need your contact details too so they can reconfirm your identity next time you chat and to send the quote through.

Financial advisers are able to provide you with personal advice and review your personal objectives and needs. To support the service they provide they often charge a commission which is generally built into your premium.

When buying NobleOak's products directly through Christian Insurance, you won't receive personal advice. This reduces the cost of your cover by reducing the up-front commissions that are charged by advisers.

Yes, you can set-up cover for your spouse also. You can request a quote by calling 1300 041 494between 8:00am-9:00pm Mon-Thu (AEST) and 8:00am-6:00pm Fri (AEST), but the insurance specialist will need to speak to your spouse to finalise the application.

My Protection Plan is fully underwritten. This means that as long as you completely and correctly disclose all of your medical and lifestyle conditions and history, and truthfully answer any questions NobleOak asks, your application will be assessed based on this information, often without any exclusions specific to you, so you can be certain of what you are covered for.

While we can't provide personal or taxation advice, Life Insurance premiums are generally not tax deductible.

Income Protection premiums are generally tax deductible and the benefits are income tax assessable.

As everyone's situation is different, please speak to your accountant or financial adviser about this to be sure.

No, there is no obligation to take out the policy following the application. This process is to qualify you for the cover you have selected.

However, as NobleOak may access medical records during this process it is important that you are seriously considering the cover.

There is also a 30-day cooling off period once the policy is activated, to ensure your cover suits your needs.

Yes we can, simply call or email us.

No, we do not provide financial advice. All information we provide clients and the general public is of a general nature as we are not licensed to provide you with advice.

While we can't provide personal advice, a question you could ask yourself when assessing how much life insurance you need is:

"How much would your family need to ensure they are not financially disadvantaged upon your death or serious injury?"