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 protecting our customer's online interactions, ensuring that you can transact online confidently and securely, no matter where you are or what computer you use. Some of the things we do to protect you include:

    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.


    Our website uses encryption to protect all traffic. This means that everything you do on our website is confidential, from browsing our product brochures to logging in and managing your policies. We stay current with top rated cryptographic algorithms to ensure your traffic is safe.

    Session Time-Out

    If you have been inactive for a while, we will automatically log you out, so your account is kept in a safe state. You will need to log in again when you want to continue.

    Login Protection

    We will proactively lock your account if we see repeated unsuccessful attempts to log in on your account. If you find your account is locked, someone may have been trying to log in as you. If you accidentally locked your account yourself, click the Forgot your Password? link.

  • 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.

    Keep your security software up to date

    Free and commercial Anti-Virus software is available for Microsoft Windows computers. All customers are recommended to implement a reputable solution on their Windows device to protect from malicious activity.

    Windows 10

    Windows 10 has built-in protection with Windows Defender Antivirus. This free anti-virus program gives comprehensive, ongoing and real-time protection for your system, files and online activities from viruses, malware, spyware, and other threats.

    Older versions of Windows

    If you’re looking to protect a personal computer running an older version of Windows, like Windows 7, you can download Microsoft Security Essentials for free, real-time, comprehensive malware protection that’ll help guard against malicious software.

    Special offer for MLC customers:

    We have partnered with McAfee to offer MLC customers a free 6 month trial of McAfee’s Internet Security software product. After the trial period you can choose to purchase the product at the subsidised rate of 25% off the normal retail price.
    McAfee Internet Security

    Comprehensive, award-winning security for your PC and MAC to bank, shop and surf online.

    • Protect against viruses and malware
    • Protect your financial information
    •  Block spam and dangerous email
    • Install quickly and easily
    •  Download McAfee Internet Security now

    No protection software will completely guarantee against unauthorised access or virus contamination, but it may increase the security of your computer systems.
    This special offer for security software is not an endorsement from MLC. Reference to a vendor's product is intended for explicit description only. Using the link will take you to a website external to MLC. MLC does not receive commission from the sale of any software.

  • Things to look out for

    Phishing emails

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

    MLC 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.

    If you have responded to a phishing email, contact us immediately on 132 652 (or +61 3 8634 4721 from outside Australia) between 8 AM and 6 PM AEST Monday to Friday.

    You can report suspicious MLC-branded emails by forwarding them to Where possible, please send the suspicious email as an attachment on a new email.

    If you receive a suspicious email not related to MLC, you can report it to the Australian Cyber Security Centre at

    Identity Theft

    Identity theft occurs when a malicious party uses your identity details to purchase products or obtain loans, where they are the beneficiary of this fraudulent activity. This is why you need to be careful about who you disclose your personal details to.

    If you receive a phone call from someone requesting personal or banking information, hang up and call the company back on a publicly listed number. There are many scams used to try to get you to reveal personal information. For more information, visit the ACCC Scamwatch site at

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

  • Other useful information

    Australian Government | Stay Smart Online

    Stay Smart Online provides topical, relevant and timely information on how home internet users and small businesses can protect themselves from, and reduce the risk of, cyber security threats such as software vulnerabilities, online scams, malicious activities, and risky online behaviours.

    Australian Government | Australian Cyber Security Centre

    The Australian Cyber Security Centre (ACSC) brings cyber security capabilities from across the Australian Government together into a single location. It is the hub for private and public sector collaboration and information-sharing to combat cyber security threats.
    To report a cyber security incident, go to

    Australian Competition and Consumer Commission | Scamwatch

    Scamwatch provides information to consumers and small businesses about how to recognise, avoid and report scams using publications, videos and other online resources.

    Australian Government | Office of the eSafety Commissioner

    The Office of the eSafety Commissioner provides online safety education for Australian children and young people, a complaints service for young Australians who experience serious cyberbullying, and address illegal online content.

    Australian Government | Attorney-General’s Department

    The Attorney-General’s Department website provides helpful information and resources about your rights and protections in regards to identity security, freedom of information and cyber security. The Department has developed a range of resources to assist people protect their identity and recover from the effects of identity crime.

If you believe your online security has been compromised contact us immediately on 13 65 25 (or +61 2 9121 6500 from outside Australia) between 8am and 6pm (Melbourne and Sydney time), Monday to Friday.