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Life Insurance

Affordable life insurance to financially protect your family.

We understand how important your family is. That’s why we’ve arranged affordable life insurance products to provide for your loved ones financially, in the event you were to suffer a serious illness, injury or die.

Call 1800 610 479 to discuss your requirements

Australian Unity Life Insurance provides:

  • Financial security for your family.
  • Choice of cover to suit your circumstances, up to $15 million if you were to become terminally ill or die.
  • Peace of mind, knowing that your living expenses such as, school fees and debts can be paid.
  • A quick and easy application process.
  • A comprehensive policy with affordable premiums.
  • Terms and conditions apply.
  • Please refer to the PDS for product definitions and details of exclusions.

Take care of your family if the unexpected should happen to you.

Product info
Product features

Australian Unity Life Insurance can help ensure you and your family have the necessary financial support, even if you’re no longer able to provide it.

You never know when an unforeseen accident or health issues will strike. So whether you’re starting a family, getting ready to retire, or single with commitments, life insurance can offer valuable protection for your lifestyle and your loved ones.

Call 1800 610 479 or email today for an obligation-free life insurance quote from a friendly representative.


Australian Unity Life Insurance products are issued by NobleOak Life Limited, a specialist life insurer that has been protecting Australians for over 138 years. Their policies are also backed by Hannover Re, a top3 global reinsurer, so you know you’re in safe hands.

Value for money

NobleOak only offers life insurance products that provide competitive pricing and genuine value for our customers. These products have been designed to be comprehensive where it counts – without the expensive extras you probably don't need.


NobleOak makes claiming easy. Their friendly and experienced claims agents are based right here in Australia so you can talk to a person who understands. Each claimant is assigned their own dedicated claims consultant. Plus, they pay 100% of eligible claims.

Fast and simple applications

Getting covered is simple. NobleOak representatives guide you through the application process and even complete the application for you over the phone, to save you time.

Product features:

  • Should you pass away, your family will receive a lump sum payment. This can help clear your debts and provide your loved ones with financial security.
  • Cover of up to $15 million.
  • Payment also made for terminal illness where medical evidence confirms life expectancy of 12 months or less (capped at $3 million).
  • Maximum age of entry is 69.
  • Renewable to age 99.
Download PDS Financial Services Guide

Terms, conditions and acceptance criteria apply. Applicable cover limits and exclusions are specified in the policy wording contained in the PDS.

3 simple steps to affordable life insurance

No one likes to think about life insurance, especially if it looks complicated. That’s why we’ve made our offering as simple as possible.

Request a quote

NobleOak’s friendly staff can provide you with an immediate obligation-free quote. Call 1800 610 479 or complete this form to get started.

Apply for insurance

Once you’re happy with your quote you can apply for cover over the phone. NobleOak’s friendly specialists will guide you every step of the way. For some people, medical tests might be needed before their application is considered. In most cases, NobleOak will pay for these tests.

Sit back and relax

Your protection starts as soon as your application is accepted. To ensure your cover suits your needs, you’ll have an extra 30 days cooling-off upon receiving your welcome pack if you wish to cancel your cover and receive a full refund. If you need to make changes, please get in touch as soon as possible.

Weighing up the costs and benefits of life insurance?

Noble Oak’s insurance offering has been shown to average savings of up to 25% relative to comparable products on the market, over a range of scenarios*. Here are a few examples of how affordable it is with Australian Unity Life Insurance.**

Life Insurance
Premium monthly
Josie Age 33 $500,000 $15.14
Anna Age 40 $500,000 $26.50
John Age 35 $500,000 $25.96
Paul Age 45 $500,000 $47.06

*The savings quoted are the average of the savings when comparing NobleOak’s premiums for its Term Life cover under Australian Unity Life Insurance product to the average cost of Term Life insurance products offered by other insurance companies, including products available directly with the insurer and those available for purchase through a financial adviser or broker. The premiums are based on a non-smoker with a Life insurance sum insured of $500,000 at 5 year age bands from age 20 to 55. Your age, occupation, gender, sum insured, smoker status, and health will determine the premium amount charged by NobleOak. Life insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome. The premium comparison was undertaken on July 2016 based on published premium rates.

**Savings vary significantly by gender and age and can be well over 25%. On average, our customers achieve around a 25% saving compared to most insurers. © Copyright 2008, Rice Warner Actuaries. Data last updated 15/07/2016.

Why choose Australian Unity Life Insurance? You could make significant savings for starters.

Enjoy the peace of mind that comes with life insurance cover, at an affordable price. We have worked with Noble Oak to put together a competitively priced product that could represent savings over comparable products of up to 25%*

How are we able to arrange such affordable life insurance? To start with, we don’t spend lots on marketing and sales, so we can pass those savings on to you. We also negotiate great premiums for you, without charging huge up front commissions, so you never have to pay more than you need to.

Important information

Getting the right cover is important. That’s why we’ve put all the extra information you need in one, easy to use place.

It’s important you read the relevant Financial Services Guide before acting on any advice or taking out an insurance product. You can download them here.

Life insurance can provide valuable benefits for your lifestyle and your loved ones. Whatever stage of life you are in, be it embarking on your career, settling down to raise a family, or planning for retirement, you should consider the protection a life insurance policy can offer. After all, an unexpected health problem or accident could affect any of us at any time. Australian Unity Life Insurance gives you the peace of mind that, should the worst happen to you, the financial necessities will be taken care of.

To decide whether you need life insurance, think about how much money your family would need if you were to pass away. How much would they need to cover day to day costs, school fees and any mortgages or debts?

How at risk are you and you family?

Would your family be financially vulnerable if you were to suffer a serious illness or injury or if you died? Find out by answeringing these quick questions:

  • Would you be able to pay your living expenses if you could no longer work due to a serious illness or injury?
  • Could you pay off all your debts (such as your mortgage) in the event you suffered a permanent disability or if you died?
  • If you died, could your family afford to pay for their living expenses?

If you answered 'no' to any of these questions, contact us today to arrange the appropriate insurance cover.

*** Information provided is general advice and any sum calculated is an estimate only and may not represent the level of cover you require or desire. You should consider whether general advice is right for you and seek financial advice based on your own circumstances.

^Quotes obtained from NobleOak and are based on annual premiums for life insurance. Current at 3 July 2015. All examples are for non-smoking white collar workers with no loadings (loadings can be placed on your premiums, for example, because of medical history).

Cover is subject to acceptance and terms and conditions and exclusions may apply. Refer to the PDS containing the product terms and conditions, policy definitions and exclusions.

Australian Unity Life Insurance products are issued by NobleOak Life Limited (ABN 85 087 648 708. AFS Licence No. 247302). The promoter of Australian Unity Life Insurance is Australian Unity Personal Financial Services Limited (AUPFS) (ABN 26 098 725 145, AFSL 234459), 114 Albert Road, South Melbourne, VIC 3205), a subsidiary of Australian Unity Limited. It is important that you read our Financial Services Guide before acting on any advice or acquiring any insurance product through AUPFS as agent of the insurer. The AUPFS FSG is available here.

Any statement on this site is general advice only and does not consider your personal situation or objectives. You should read the relevant Product Disclosure Statement (PDS) before deciding to acquire a product. Please review the cover limits, definitions and exclusions as set out in the combined PDS and policy wording to determine whether the product is right for you. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether the product is appropriate for your needs.