Protect what matters most with flexible cover

At Acenda, we believe life should be empowered, not limited. Our life insurance solutions are designed to support and enable you to take on every stage of your life – whether you’re building a family, growing a business, and everything in between.

Our Life Cover, Income Protection, Total and Permanent Disability (TPD), Critical Illness and other insurance products are built to give you clarity, confidence and care when you need it most. With over 135 years of trusted experience, we’re here to help you take life on - and feel positively prepared for whatever comes next.

Our policies also come with our award-winning wellness and recovery support program, Vivo, giving you and your family* access to a broad range of support options to help you achieve your health, wellness, and recovery goals.

Insurance products

How can I purchase Acenda Insurance?

To purchase Acenda life insurance products, you’ll need to speak with a licensed financial adviser. They can give you advice that is tailored to your personal financial situation, and help you understand things like:

  • What types of cover you need
  • How much cover you need
  • Which optional extras might be right for you, and
  • Whether to have it through a super fund.

If you don’t already have a financial adviser, visit moneysmart.gov.au. It’s a government-run resource where you can search for licensed professionals, including financial advisers who specialise in life insurance, superannuation, and investments.

Find an adviser

Choose the best way to pay your Acenda premiums

There is a range of funding options you can choose from to pay your Acenda insurance premiums as best suits your financial setup - whether you hold your policy inside super, outside super or through a wrap account. Read on to explore each option or click here for more information.

  • Paid in Super (Acenda Insurance Super)
    Acenda Insurance (Super) is life insurance held for your benefit inside a super fund. It is issued by Equity Trustees Superannuation Limited, the Trustee of the Smart Future Trust. This structure allows you to pay your insurance premiums by making a contribution to the fund or transferring (rolling over) funds from an external superannuation account, which can offer tax advantages and cash flow flexibility.
  • Paid Outside Super (Ordinary Policy)
    Holding an insurance product outside super policy means you hold it yourself as the policyowner. You simply pay premiums from your own bank account or an eligible Wrap account. This structure offers flexibility, broader coverage options, and direct control over benefit payments.
  • Wrap Account
    A Wrap account is single administration platform on which multiple investment and life insurance products can be held for you. These allow you to bring together shares, managed funds, term deposits, superannuation and life insurance to operate as a single, streamlined account.

Wellness and recovery support when you need it

Vivo is Acenda’s wellness and recovery support program.

Whether you’re looking to feel better every day, managing a health condition or recovering from illness or injury, Vivo offers access to:

  • Daily wellbeing support services like Nutrition Consults, Fitness Coaching, and Mental Health Navigator
  • Recovery care programs including KickStart, Rehab Guidance, and Return to Work Coaching

Start your journey

Insurance FAQs

  • Can I increase my cover when my circumstances change?

    Yes. In fact, some Acenda products let you increase your cover without further medical evidence after key life events like marriage, childbirth, or taking out a mortgage.

    Learn more

  • Can I get cover for my children?

    Yes. Child Critical Illness cover pays a lump sum if your child is diagnosed with a specified condition or passes away. It allows you to put financial worries to the back of your mind – whether you use it to cover taking time off work, out-of-pocket treatment costs or to simply stay close, you have financial breathing room so you can support your child into the future.

    Learn more

  • Can I change or cancel my insurance?
    Yes. You can increase, add, decrease or adjust your cover as your needs change.  You can also cancel your policy at any time. If you cancel in the first 30-days, you’ll receive a full refund (unless you’ve made a claim).
  • What happens if I stop working?
    It depends on the type of product and whether it's held inside or outside super. Check your policy type and whether it’s held inside super. Also review your Product Disclosure Statement (PDS) for details on eligibility, benefit periods, premium options and what it says about any effects that no longer working may have on your cover. You can also speak to your financial adviser if you're unsure how stopping work affects your cover.
  • Can I keep my insurance if I keep working after age 65?

    Yes, some cover types can continue past age 65 depending on your employment status. For example, Income Protection can extend to age 70 if you meet certain conditions.

    Learn more

  • Who receives the benefit if I pass away?

    If you pass away, who receives the benefit from your life insurance policy depends on whether it’s held inside or outside of super.

    For policies held outside of super, the death benefit is paid to either:

    • One or more beneficiaries you nominate
    • Your estate (if no nomination is made)
    • The policy owner whenever that is someone other than you.

    You can cancel or update a nomination anytime. To make or update a nomination:

    Your financial adviser, estate planner, or legal representative can help if you’re unsure about whether you should make a nomination or who to nominate.

    If your policy is held inside of super, we always pay the death benefit to the trustee.  

    Acenda pays the trustee and then the trustee then pays the benefit under the super fund’s unique set of rules. Most funds allow one or more nomination types, and you need to find out those available in your fund.

    You can cancel or change your nomination at any time. Your financial adviser, estate planner, or legal representative can help if you’re unsure about who to nominate or whether you should make one and what nomination types you can make. 

     
  • What factors influence my premiums?
    Many factors contribute to the cost of your insurance premiums. These include how much cover you choose to take out and your age, gender and other personal risk factors. You can learn more about these factors and how they affect your premiums here.
  • Will my premiums change as I age?
    Occasionally, we need to raise our standard premium rates to make sure we can continue to support our customers when we are needed – at claim time. If we make changes to our standard premium rates, we will always act fairly, and any changes will be applied consistently for policies of the same kind. This means your policy will not be singled out for a change in premium rates. If your premium increases, your options to manage the cost of your cover include reducing it or changing the options you’re covered for. You can learn more about the factors we consider when we review our standard premium rates here.
  • What support is available during a claim?

    Acenda provides access to interpreters, claims support and help with paperwork. You can also nominate a support person to assist you.

    Learn more

Useful Links

How life insurance can help you

There’s no one-size-fits all approach to insurance. Find out how our different insurance cover options can help protect you and the ones you care about when life doesn’t go to plan.

Learn more

When to consider life insurance

Wherever you are in life, insurance plays an important part of protecting your future. That’s why we offer different types of cover to suit your needs as you move through life’s big moments.

Learn more

Understanding your insurance

We believe in empowering our customers with the knowledge and confidence to make informed decisions about their life insurance.

Learn more
Important information 
*The Vivo brand is owned and operated by Nippon Life Insurance Australia and New Zealand Limited, trading as Acenda . Vivo services are not health or other insurance and are not designed to replace relationships with your current doctor, other treating health providers and health consultants. Services available to you may be limited by our arrangements with the service providers we partner with and agreements with super fund trustees or owners of group insurance policies.