Meet Lena - hockey injury, first time owner*

Lena (27 years) injured her knee playing hockey and will be off work for eight weeks. She was panicked about paying the bills at first, especially the repayments on her home loan of $450,000 – but her MLC Debt Insurance includes Disability cover, which helps her meet her repayments for the eight weeks until she can return to work. 

Lena’s premium: $66.06 per month. 

Lena has (Death cover, Disability cover and Involuntary Unemployment cover).

^{*The above are illustrative examples only. The premium is based on your age, gender, type of cover and benefit amount. Benefits payable are dependent on the type of cover and the debt amount.}

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Meet Lee, unexpectedly alone, powering on*

Lee (37 years) met Phil a few years ago. Sadly, Phil passed away unexpectedly of a heart attack four months ago. Lee had lots to deal with – but at least he knew their investment property mortgage of $350,000 was covered by MLC Debt Insurance Death cover. 

Lee’s premium: $38.38 per month.

Lee had Death cover and Critical Illness cover.

^{*The above are illustrative examples only. The premium is based on your age, gender, type of cover and benefit amount. Benefits payable are dependent on the type of cover and the debt amount.}

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Meet Adrian - redundant, but still renovating*

Adrian (42 years) and his partner Deb just refinanced their mortgage of $475,000 and started renovating their house, in time for the arrival of their new baby. Despite Adrian being made redundant, he knows he can rely on MLC Debt Insurance for Involuntary Unemployment cover to help meet their loan repayments for up to four months until he finds a new job. 

Adrian’s premium: $125.87 per month.

Adrian has Death cover, Involuntary Unemployment cover and Disability cover.

^{*The above are illustrative examples only. The premium is based on your age, gender, type of cover and benefit amount. Benefits payable are dependent on the type of cover and the debt amount.}

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Meet Sam - able to get back on his feet*

Sam (35 years) purchased his first home three years ago for $500,000 as well as purchasing MLC Debt Insurance.
Sam suffered a stroke unexpectedly while working in the garden. Sam had Critical Illness cover, so he received a lump sum payment that he could put towards medical costs... As he also had to take time off work to recover, his Disability cover helped him meet his loan repayments up to 18 months until he could return to work. 

Sam’s premium: $47.72 per month.

Sam has Critical Illness cover and Disability cover.

^{*The above are illustrative examples only. The premium is based on your age, gender, type of cover and benefit amount. Benefits payable are dependent on the type of cover and the debt amount.}

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