MOZO's Experts Choice 2022 - Exceptional Quality Income Protection
MOZO's Experts Choice 2022 - Exceptional Quality Life Insurance
MOZO's Experts Choice 2022 - Exceptional Value Income Protection
MOZO's Experts Choice 2022 - Exceptional Value Life & TPD Insurance
MOZO's Experts Choice 2022 - Exceptional Value Life & Trauma Insurance
MOZO's Experts Choice 2022 - Exceptional Value Life Insurance
NobleOak Logo

Provided by
NobleOak Life Insurance.

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TPD benefit
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Insurance issued by NobleOak Life
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Underwritten for you
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Financial advice benefit
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Use proceeds of a claim however you choose
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Future increases benefit

TPD benefit

By adding TPD Cover as an option to your Life Cover, you can receive a lump sum payment of up to $5 million if you’re permanently disabled as the result of a sickness or injury, and are unable to work again. We’re here to add some peace of mind, if the worst were to happen.

Insurance issued by NobleOak Life

With a solid collection of awards and over 140 years insuring Australians and their families, your Budget Direct policy is issued with a wealth of care and experience.

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Underwritten for you

Any Life Insurance policy issued by Budget Direct is fully underwritten when you buy it, rather than when you need to make a claim. 

This minimises the risk of there being any nasty surprises at claim time.

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Financial advice benefit

If a TPD benefit in excess of $200,000 is paid, you can also be reimbursed the cost of engaging a qualified and licensed financial adviser, up to $2,000. This benefit is designed to provide you help in determining the best way to make use of the claim payout.

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Use proceeds of a claim however you choose

No matter whether the funds would be best spent making modifications to your home, paying medical or rehabilitation costs, putting it toward your mortgage or living expenses, or even buying a modest dwelling to suit your needs, you can use any proceeds in whatever way you choose.

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Future increases benefit

If a particular allowable event occurs (such as the birth of your child, or you take out a mortgage on your residence), you can increase your cover by the lesser of $100,000 or 20% of your original cover amount, without needing to provide further medical evidence.

Terms, conditions, limits and exclusions apply. For all the details, please read the Product Disclosure Statement (PDS).

How much TPD Insurance can I apply for?

Australian residents who take out Life Cover can also apply for up to $5 million in TPD Cover as an optional extra.

The Death Benefit of that Life Cover (including where it is paid as the Terminal Illness Benefit) will be reduced by the amount paid under your TPD Insurance cover.

$5 million

Maximum cover level

59 years old

Maximum entry age

75 years old

Guaranteed renewable age

$2,000

Financial advice benefit

Not sure how much cover you want? Get an estimate by using our Life Insurance Calculator.

Caring cover brought to you from Budget Direct

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Fully underwritten insurance

By carefully underwriting your application based on your health, lifestyle and other factors, the risks of delays or surprises in the event of a claim are minimised.

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Simple & straight-forward

We’re here to help, and prefer not to use overly complex phrasing. Life and TPD Insurance should help bring you peace of mind, not complicate things.

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Issued by NobleOak

Cover is issued by one of Australia’s most trusted and respected Life Insurance companies, so you’re in safe and experienced hands with Budget Direct Life Insurance.

Award-winning Australian Life Insurance

The Mozo Expert Choice Awards, now in their ninth year, present an opportunity to highlight products in the market they believe offer great value to Australians.

The awards are based on extensive research, comparing both the cost of premiums and the benefits offered. For the 2022 Life Insurance awards, Mozo analysed 21 different insurance companies and we are proud to be named a winner of six award categories:

MOZO's Experts Choice 2022 - Exceptional Value Life Insurance

Exceptional Value Life Insurance

2022

MOZO's Experts Choice 2022 - Exceptional Quality Life Insurance

Exceptional Quality Life Insurance

2022

MOZO's Experts Choice 2022 - Exceptional Value Life & TPD Insurance

Exceptional Value Life & TPD Insurance

2022

MOZO's Experts Choice 2022 - Exceptional Value Life & Trauma Insurance

Exceptional Value Life & Trauma Insurance

2022

MOZO's Experts Choice 2022 - Exceptional Value Income Protection

Exceptional Value Income Protection

2022

MOZO's Experts Choice 2022 - Exceptional Quality Income Protection

Exceptional Quality Income Protection

2022

Find out more

The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement (PDS).

Manage your Life Insurance policy

Manage your policy

You can find details of your policy, make changes to it by contacting us on 1300 220 627.

Make a claim

You can find out more about how to make a claim on our Claims page.