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.

If you’re unable to work temporarily

Income Protection insurance could replace up to 75% of your monthly income if you can't work due to illness or injury. This means you can focus on getting better and not have to worry about having to cover your day-to-day expenses.

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If you’re unable to work again

Total and Permanent Disability pays a lump sum that could cover the costs of care, rehabilitation, loan repayments, and future expenses if an illness or injury meant you could never work again.

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If you were to suffer a critical illness

Critical Illness insurance (also known as trauma cover) pays a lump sum if you suffer a Critical Condition such as cancer, heart attack, or stroke. This could provide you with a payment to help cover your day-to-day expenses while you undergo treatment or recover from surgery.

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Insurance for the worst-case scenario

While no one likes to imagine the worst, it’s worth thinking about what would happen if you were no longer around to provide for your family. Life Cover will support your family and loved ones by providing a lump sum in the event of your death or if you're diagnosed with a terminal illness.

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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.

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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.

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“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.