Here's some useful information regarding how MLC Life Insurance protects your online security and some tips on how you can protect yourself.

  • How we protect you

    MLC Life Insurance is committed to helping you transact online confidently and securely, no matter where you are or what computer you use. There’s a range of things we do every day to keep your personal information and investments safe, including:

    Session Tokens
    We use unique identifiers so we know it’s you logging in to your account.
    Digital certificates
    These are used to verify the identity and authenticity of our websites. To see it, click on the padlock icon on your screen in the address bar.
    Session timeout facility
    This means we‘ll automatically log you out if you‘ve been inactive for a while.
    For your security, we will automatically block access to MLC Online after a number of failed logins.
  • What you can do

    Here’s some simple things you can do to help stay safe online:

    Always type into your browser

    By typing the website address straight into your browser, you minimise the risk of going to a fraudulent website that looks just like the legitimate one.

    Use strong passwords

    Use a different password for each of your online accounts. Choose strong passwords that are difficult for other people to guess. Don’t share your passwords with anyone.

    Your MLC Online password must be between 6 and 12 characters long and contain at least one numeric and one alphanumeric character.

    Take care when logged in

    Where possible avoid using computers in public places, such as Internet cafes, hotels and airport lounges to log into MLC Online. If you are in a public area, also check that no one is looking over your shoulder when you log in.

    Remember to log off

    Make sure you log off MLC Online when you’re done to help prevent someone else accessing your account.

  • Security software

    MLC Life Insurance strongly recommends that all software on your computer/device is kept up to date to help protect it from malicious software, which may allow unauthorised access to your online accounts or information.

    Keep your operating system up to date

    Ensure your computer’s operating system is up to date by turning on automatic updates. For more information visit the Microsoft Safety and Security Website or the Apple Product Security Site.


  • Things to look out for
    Phishing e-mails

    Phishing emails are fraudulent emails that pretend to be from MLC Life Insurance or other legitimate businesses to attempt to trick you into providing information such as your MLC Online log in details, date of birth, or credit card information.

    MLC Life Insurance will never send you an email asking for your password, or with a link asking you to log in to MLC Online.

    If you receive a suspicious email, do not click on any links or attachments, or provide any information.

    You can see the latest phishing emails on NAB’s Security Alerts page by visiting

    Have you responded to a phishing email?

    If you have responded to a phishing email, contact us on 132 652 (or +61 3 8634 4721 from outside Australia) between 8am and 6pm (Melbourne and Sydney time) Monday to Friday.

    You can report suspicious MLC Life Insurance or NAB-branded emails by forwarding them to

    We investigate every email reported. Where possible, please send the suspicious email as an attachment on a new email. We’ll email you an automated response within 15 minutes to acknowledge your report.

    If you receive a suspicious email not related to MLC Life Insurance, you can report it to ScamWatch, an independent website run by the Australian Competition & Consumer Commission (ACCC).

    Identity Theft

    Identity theft comes in many shapes and sizes, from simple scams to sophisticated, well organised operations. If someone calls asking you for personal or banking information, hang up and call the company back on a publicly listed number.

    Protect yourself by securing your letterbox to help prevent mail being stolen. Ensure documents containing personal information are shredded before you dispose of them.

  • Other useful information

    SCAMwatch is a website run by the Australian Competition and Consumer Commission (ACCC). SCAMwatch provides information to consumers and small businesses about how to recognise, avoid and report scams.


    Stay Smart Online is a federal government website designed to help Australians understand cyber security risks.


    Protect Your Financial Identity 
    An Australian Bankers Association website with loads of useful fact sheets and advice.

If you believe your online security has been compromised contact us immediately on 132 652 (or +61 3 8634 4721 from outside Australia) between 8am and 6pm (Melbourne and Sydney time), Monday to Friday.