While life can be unpredictable, we're here to provide protection and care as your circumstances change. Our broad range of insurance products and health and wellness services are tailored to suit your needs and can evolve with you as you progress through life.


Tailored cover to suit your needs

As you progress through life, your insurance needs evolve with you. No matter how your life changes, from starting a new job, buying a house, paying off debts, or entering retirement, you can adjust your policy to meet your needs. It's all about maintaining the right level of cover for you.

There are several ways you can change your policy benefits and premiums. Some common tweaks include changing your waiting period on your Income Protection insurance, altering your level of cover, reviewing options that you pay at extra cost, and changing your payment frequency. Improving your health by stopping smoking, for example, can also reduce your premiums.

Review your cover


Care and support for life’s journey

As an MLC Life Insurance policyholder, you can access Vivo, our award-winning health, wellness, and recovery program, at no additional cost. Vivo is available to you and your family members* at any time, regardless of whether you're on claim. If you're looking to improve your everyday health or wellness, dealing with a health concern, or require recovery support, Vivo can connect you with the care and support services to achieve your goals.

*Immediate family members include your children (under parental supervision), your partner, your parents, and your partner’s parents. Access to immediate family members is limited to Vivo Virtual Care services.

Explore Vivo


“I can’t recommend this service enough if you're looking for answers or need someone in your corner while improving your overall health.”

Hayden, 35

Read Hayden’s story


Ready to review your cover?

Reach out to your financial adviser to discuss your options, or call us on 13 65 25, 8.30am-6pm, Monday to Friday.

Alternatively, book a call with one of our team members by completing the form below.