Koji Ichiba

Executive Director Koji is the Executive Director and a Member of the Board Incident Management Oversight Committee at MLC Limited. Joining us in March 2024 from Nippon Life’s Tokyo office, Koji is...

Target Market Determinations

On 5 October 2021, the new Design and Distribution Obligations regime will be introduced for product issuers and distributors of a range of financial products, including life insurance. The Design &...

Our connections and community

Rewarding and celebrating you

Your wellbeing and flexibility

Celebrating our diversity and belonging

Your career growth and development

Our business experts and teams

Bringing our best to life

MLC Life Insurance appointment continues strong Nippon Life investment in Australian market

MLC Life Insurance has welcomed the continued close partnership with its majority shareholder Nippon Life Insurance, following the appointment of one of their most senior international executives...

A Promise for Life - our purpose

Our history

MLC Life Insurance has a history of protecting Australians for over 130 years. Find out more about the historical milestones in our company timeline...

Manage your policy online

Register here to manage your MLC Life Insurance policy online. You can then access your personal details and relevant forms and documents to keep your policy up to date...

Bringing our best to life

Bringing our best to life...

Nearly half of Australians can't afford to wait for default disability insurance, women most impacted: MLC Life Insurance research

Australians support reform to legislated default product design Nearly half of Australian workers have three months' or less savings in the event of a disability which prevents them from working, with...

MLC Life Insurance hires experienced CTO

MLC Life Insurance has appointed experienced technology executive Mirella Robinson to the newly created Chief Technology Officer (CTO) role as part of the Executive Team. “Given the importance...

Here for life. Here for you. We’ve been here in Australia for 137 years. So, you know we’re here for the long haul, every step of the way. We understand the importance of building strong...

WGEA gender pay gap statement - 2022-23

Our commitment to gender equality At MLC Life Insurance, we are committed to creating a culture that is diverse, inclusive, and reflective of our society and our customers. We are guided by the...

Additional Support

MLC Life Insurance recognises that some customers have unique needs or may experience vulnerabilities that require additional support when applying for insurance, making an enquiry, claiming on your...

How to pay your insurance premiums

As a customer of MLC Life Insurance here's a guide to the different methods you can use to pay for your life insurance premiums. Get in touch with our customer services team for any further enquiries...

Our people

The people of MLC Life Insurance are committed to uphold the core values of the company and put the protection of our customers at the heart of everything we do...

Total and Permanent Disability

Total and Permanent Disability insurance protects your quality of life if you are never able to work again. Our TPD insurance can be purchased as part of your life cover or stand alone. Discuss your...

Life Cover

As a leading Australian life insurer, our life insurance is designed to provide comprehensive cover and benefits yet also has the flexibility to be tailored to suit your needs. Discuss your life...

Income Protection

Your ability to earn an income is one of your greatest assets, so it makes sense to protect it. Our income protection insurance provides a wide range of benefits and additional options to suit your...

Critical Illness

When diagnosed with a serious illness, it can be reassuring to know you have the right insurance in place so you can focus on your recovery. MLC Life Insurance offers comprehensive Critical Illness...

Business Expenses

If you're self-employed or operate a small business, ensure your business expenses are covered if you become totally disabled and unable to work. Discuss your life insurance needs with a Financial...

Statements calendar

Kristin Miller

Chief People Officer Kristin leads the People function at MLC Life Insurance. She is responsible for the culture, people and talent agenda that supports our people in delivering the company’s...

Jane Murray

Chief Operating Officer Jane is responsible for leadership of the operations, underwriting, sustainability, remediation and corporate affairs functions at MLC Life Insurance. Amidst Jane’s 25...

Policy enquiry

I want my financial advisers’ details I want to cancel my insurance cover or policy and replace it I want to cancel my insurance policy or reduce my level of cover I want to know how much I&...

Forms

Access all the forms and documents here to manage your MLC Life Insurance policy and keep your personal details up to date. Get in touch with our customer services team for further help on 13 65 22...

Annual Report - Super customers only If you hold insurance inside super and you’re a member of the MLC Super Fund, this Annual Report is relevant to you. The MLC Super Fund Annual Report is...

Life Insurance Code of Practice

MLC Life Insurance is proud to have adopted the Life Insurance Code of Practice (the Code), and will ensure all customers benefit from a responsible, industry-wide approach to life insurance practices...

MLC Life Insurance prioritises customer excellence with senior hire

MLC Life Insurance has appointed Ian Fletcher as General Manager of Remediation Programs to deliver on the business’s deep commitment to customer excellence and an exceptional customer...

MLC Life Insurance celebrates multiple award wins for its Vivo health and wellness program

MLC Life Insurance has again been recognised as a leader in health and wellness after winning multiple honours in the Plan for Life Excellence awards, including for its already award-winning Vivo...

Ravi Aggarwal

Non-Executive Director Ravi is a Non-Executive Director and member of the Board Nomination Committee for MLC Limited. Ravi is also a non-executive Director of Diners Club Pty Ltd and National...

Our claims philosophy

MLC Life Insurance is committed to supporting our customers in their time of need. It’s our culture to assess life insurance claims quickly and with minimum fuss. Our dedicated team of claims...

Using your insurance

As an MLC Life Insurance client here's all the resources you need to manage your policy. Find out more about our claims process, accessing Best Doctors service, MLC On Track program and forms and...

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Our story

MLC Life Insurance is proud to have protected Australians since 1886. This sits at the heart of everything we do. It's also why we’ve partnered with one of the world’s leading life insurers Nippon...

Family and Domestic Violence Support

  Family and Domestic Violence Policy Download PDF version If you are affected by family and domestic violence, please know we’re committed to supporting you and treating you with empathy...

Jacqueline Korhonen

Independent Non-Executive Director  Jacqueline is an Independent Non-Executive Director, Chair of the Board Incident Management Oversight Committee and a member of the Board Audit, Board Risk and...

MLC Life Insurance expands support for advisers with senior hires

MLC Life Insurance has bolstered the strength and experience of its Northern Region Retail Distribution team with the appointment of three experienced business development managers, who will be...

Income Assure and Income Assure+ Income Protection. Well advised. Your clients come to you for the guidance they need to realise their financial goals, dreams and everyday needs. A big part of that is...

MLC Life Insurance launches new cancer screening support

MLC Life Insurance has announced a new addition to its award-winning Vivo program, the Aware questionnaire by Osara Health. This revolutionary 2-minute questionnaire is designed to encourage cancer...

MLC Life Insurance executive changes deliver operational and customer excellence

MLC Life Insurance has announced key executive changes to reinforce its commitment to delivering customers and partners a compelling experience during the moments that matter. The appointment of Jane...

Your Wellness and Recovery

Your Wellness and Recovery...

Nicole's story

When Nicole’s* world fell apart, her doctor told her, “Enough. You need to rest. You can’t do this.” Family violence can take a dreadful toll. Nicole wasn’t coping, and...

Things to keep in mind when you’re deciding on life insurance

Calculating how much and what type of life insurance you need can be daunting. Here are five things to think about...

How to keep premiums affordable

Navigating through rising living costs...

Damien's claim experience

From cycling one day, to hospital the next. Damien shares with us how life insurance was able to help him focus on his recovery and continue being there for his family. His heartwarming story...

Why you need to think about who gets your payout

The importance of who receives your insurance payout...

Whats the difference between general and personal advice

How general and personal advice can help you decide what is right for you...

Payment

I am having trouble meeting my premium payment due to financial hardship I want to make a payment I want to update my payment details   I am having trouble meeting my premium payment due to...

Protecting Your Super

What is Protecting Your Super? The Protecting Your Super (PYS) package of reforms was included in the 2018-19 Federal Budget announcement and came in to effect on 1 July 2019. These reforms aim to...

Financial advisers

MLC Life Insurance values its partnership with Financial Advisers. Get in touch with our Distribution Team, and they can help guide you through our products, online tools and other resources...

Our awards

MLC Life Insurance's industry awards are an acknowledgement from our customers and the life insurance industry of our commitment to providing market-leading life insurance products, services and...

Craig Dunn

Independent Non-Executive Director Craig is an Independent Non-Executive Director, Chair of the Board Remuneration Committee, and a member of the Board Audit and Board Risk Committees for MLC Limited...

David Stephen

Independent Non-Executive Director David is an Independent Non-Executive Director, Chair of the Board Risk Committee, and a member of the Board Audit and Board Remuneration Committees for MLC Limited...

Kazuhide Toda

Non-Executive Director  Kazuhide is a Non-Executive Director and a member of the Board Nomination, Board Risk, Board Audit, and Board Remuneration Committees for MLC Limited. Kazuhide is the...

Upgrades

We constantly review and make improvements to our insurance products. Some improvements which don't affect the policy premiums are automatically passed on as upgrades. Here you can access the product...

Andrew Beevors

Chief Claims Officer Andrew leads the claims function at MLC Life Insurance and is responsible for all facets of our claims strategy and management. Supporting us in our ambition to be Australia's...

When to review my insurance cover

Life insurance provides a great safety net for you and the people that matter most to you. However, life doesn’t stay still, so your insurance must keep up to date with any changes in your life. Let’s...

Privacy policy

MLC Life Insurance is committed to protecting your personal information. This Privacy Policy sets out general information about how we manage your personal information and how you can contact us about...

Payments

I want to update my client’s payment details For most policies, you can update your client’s payment details by viewing their policy details online. Select Clients and then Client...

When to consider life insurance

Whatever life stage you're at, having the right life insurance can help protect what’s most important to you. MLC Life Insurance has a range of life insurance products to meet your changing needs...

Understanding the claim process

MLC Life Insurance understands that making a life insurance claim can be complex especially during a difficult time, but we're here to support you every step of the way. Learn about our claims process...

Vivo Incentive - A discount for life At MLC Life Insurance, we believe it takes more than delivering great insurance products to deliver our promise and value to customers. We want to provide care and...

How to contact us with a complaint

  If you have a complaint about our organisation, products, services, staff or the handling of a complaint, please contact us using the steps described below. We take your concerns seriously and...

Leaving the right legacy – how to reduce the risk of leaving a financial mess

Your retirement should be comfortable, but there may be some unplanned financial pressures to act on...

Working in your 20s – what you need to know

Planning for tomorrow: the financial actions you need to take in your 20s...

Manage your business on the Adviser Portal

  Manage and maintain new and existing clients The Adviser Portal allows you to write new business and access your clients’ policy information for: MLC Insurance, MLC Insurance (Super), and...

Access client documents

  To access your clients’ documents in the Adviser Portal, select the client, and then select the correspondence tab to download the documents. If you’d like to learn more, please...

Is your paperwork in order?

Here are ways to keep your legal and financial paperwork in order – you don’t know what tomorrow holds...

The difference between life insurance and health insurance

When protecting ourselves and our loved ones, life and health insurance play essential roles in providing financial security. So, it makes sense that these two types of insurance are often confused...

Security

MLC Life Insurance is committed to helping you transact online confidently and securely, no matter where you are or what computer you use. Here's some useful information regarding how MLC Life...

Customer Portal payment functionality

With improved payment functions in our Customer Portal, we’ve seen a 37% reduction in missed payments. Customers can now complete payments by: logging into the Customer Portal with their...

LifeView

MLC Life Insurance has developed LifeView a digital platform making the insurance and claims experience easier for our Super Fund partners and their members. Typical interactions are now a seamless...

Proof of identity - what we need from you

We take your security seriously. So, sometimes we’ll ask for identification documents so we can process a request or transaction on your policy. The identification you need to provide depends on...

Jane McGovern

Chief Risk Officer Jane leads the Risk, Governance and Legal function at MLC Life Insurance and is responsible for enterprise-wide risk, compliance, regulatory affairs, corporate governance, legal and...

MLC Life Insurance celebrates blue ribbon award for its health and wellness program

MLC Life Insurance has been recognised as a leader in health and wellness after taking out the top spot in Money Magazine’s 2023 Consumer Finance awards for its already award-winning Vivo health...

MLC Life Insurance welcomes Albanese Government support for life insurance covering 24 million Australians

  As Treasury opens consultation on its draft legislation for the objective of superannuation, MLC Life Insurance has welcomed the government’s commitment to insurance in super, underlining...

Insurance Inside Super with MLC Life Insurance

Did you know you can choose to hold life insurance, and pay premiums for it, through a Super account? Having insurance can make a big difference to your family’s lifestyle if something were to...

MLC Life Insurance first Australian insurer to offer AI-guided mental health support

MLC Life Insurance continues to improve its total customer experience, as the first Australian life insurer to offer customers AI-guided mental health support, and the first in the world to offer Wysa...

About us

MLC Life Insurance has been protecting Australians for over 130 years through a range of award-winning products and services. We make sure our customers have access to life insurance products that are...

Our sustainability beliefs and goals

  1 MLC Life Insurance emissions reporting has been consolidated with the Nippon Life Group since 2017. Our local Goal has been developed in alignment with the Nippon Life Group commitment and...

MLC Life Insurance backs advisers and joins launch of Risk Hub

MLC Life Insurance has continued its long history of support for advisers helping launch Risk Hub, a new support platform designed to help advisers excel in an ever-changing risk advice landscape...

Partnering with us

MLC Life Insurance values its partnership with Financial Advisers, Superannuation Funds and Employers in providing tailored life insurance solutions for their clients. It's an honour to be...

MLC Life: Simple advice needed to make insurance affordable, accessible and appropriate

MLC Life Insurance has welcomed the Albanese Government’s commitment to implement 14 of the 22 recommendations made by the Quality of Advice Review, while also calling for more Australians to be...

MLC Life Insurance Enhances Award-Winning Vivo Program

MLC Life Insurance is enhancing its award-winning Vivo program, by building new digital capabilities and expanding its provider network to bring more services into a ‘one-stop shop&rsquo...

Senior Appointment Completes MLC Life Group Insurance Team

MLC Life Insurance has stepped up its group insurance team, appointing Brett Pickett as Head of Group Pricing to deliver on the business’s bold plan to offer both competitive and sustainable pricing...

MLC Life Insurance office move prioritises sustainability

MLC Life Insurance has shifted its Sydney office as it continues its ambition to sustainably operate for people, planet and the economy. “Embedding sustainability across the business goes to the...

Lesley Mamelok

Chief Financial Officer Lesley is MLC Life’s Chief Financial Officer, with responsibility for the Finance, Actuarial, Capital & Corporate Finance, Strategy, Data Governance and Internal...

Michael Rogers

Chief Individual Insurance Officer Michael leads the Individual Insurance team, responsible for the company's retail distribution channels, pricing, product, strategy brand and marketing units...

Life and all its changes

Life is full of unpredictable twists and turns, both positive and negative. From new beginnings like falling in love or starting a new job, to unexpected challenges like illness or the loss of a loved...

Tailoring your protection through each life stage

We look at the different life insurance needs at key stages of your life, to help you make sure you have the right amount, at the right time...

How to make sure your life insurance benefit goes to the right person

When a claim is made on a life insurance policy, your insurer's payment once the claim is approved is called a benefit. The recipients of this payment are known as beneficiaries. Who you can name as...

Kent Griffin

Chief Executive Officer and Managing Director Kent is the CEO and Managing Director of MLC Life Insurance. Kent joined MLC Life Insurance as Chief Financial Officer in February 2020. Prior to joining...

Quality of Advice Review Reforms

MLC Life Insurance welcomes the Albanese Government’s commitment to implement 14 of the 22 recommendations made by the Quality of Advice Review but calls for more Australians to be given access...

Life insurance at tax time

The relationship between life insurance and tax isn’t always simple. Here are the main types of cover within life insurance, possible deductions, and tax payable...

Claims and Underwriting Stars Recognised at ALUCA Awards

MLC Life Insurance was recognised last night for its underwriting and claims excellence after receiving three awards at the prestigious Australian Life Underwriting and Claims Association (ALUCA) Life...

Our claims philosophy

Insurance options

MLC Life Insurance provides life cover to suit you, your family or business. When you consider our life cover, income protection, critical illness, TPD or business expenses cover you get over 130...

MLC Life Insurance Makes Senior Operational Excellence Appointment

MLC Life Insurance has appointed Craig Dainton as General Manager of Customer & Adviser Operations to deliver on the business’s deep commitment to operational excellence and an exceptional...

Hiroyuki Endo

Chief Investment Officer and Deputy CFO Hiroyuki was appointed Chief Investment Officer and Deputy CFO of MLC Life Insurance in March 2023. Prior to joining MLC Life Insurance, Hiroyuki held the role...

The Adviser Portal

Senior Nippon Life Insurance appointment adds to strength of MLC Life Insurance Leadership Team

MLC Life Insurance welcomes senior Nippon Life Insurance Officer Hiroyuki Endo as Chief Investment Officer and Deputy CFO. Endo-san’s appointment will also see him join the MLC Life Insurance...