Licensees

At Acenda, we value our partnerships and are committed to working with and supporting your advisers. We continuously focus on improving our business efficiency and processes. Our aim is to ensure your...

Understanding the claim process

Acenda understands that making a life insurance claim can be complex especially during a difficult time, but we're here to support you every step of the way. Learn about our claims process and how to...

Insurance Inside Super with Acenda

Did you know you can choose to hold life insurance, and pay premiums for it, through a Super account? Having insurance can make a big difference to your family’s lifestyle if something were to...

As your life changes, so should your cover

Manage your insurance...

Understanding life insurance and premiums

Understanding your insurance...

Manage your business on the Adviser Portal

  Manage and maintain new and existing clients The Adviser Portal allows you to write new business and access your clients’ policy information for: MLC Insurance, MLC Insurance (Super), and...

Ethics CPD for the modern risk adviser...

Article 2: Standards 2, 5, and 7

Article 2: Standards 2, 5, and 7...

Article 1: Standards 6, 9, and 10

Article 1: Standards 6, 9, and 10...

Article 3: Case studies and standard 12

Article 3: Case studies and standard 12...

How to pay your insurance premiums

As a customer of Acenda here's a guide to the different methods you can use to pay for your life insurance premiums...

KickStart your recovery

Forms

Access all the forms and documents here to manage your Acenda policy and keep your personal details up to date...

Statements calendar

Privacy policy

Acenda is committed to protecting your personal information. This Privacy Policy sets out general information about how we manage your personal information and how you can contact us about this...

Security

Acenda is committed to helping you transact online confidently and securely, no matter where you are or what computer you use. Here's some useful information regarding how Acenda protects your online...

True to Life

We are here to help you self-educate on key advice areas. This page provides articles and tools that will help you with your client considerations and recommendations. For more information, contact...

Life Insurance Code of Practice

Acenda is proud to have adopted the Life Insurance Code of Practice (the Code), and will ensure all customers benefit from a responsible, industry-wide approach to life insurance practices, and as a...

Our purpose, history and awards

Acenda is proud to have protected Australians since 1886. This sits at the heart of everything we do. It's also why we’ve partnered with one of the world’s leading life insurers Nippon Life Insurance...

Our people

The people of Acenda are committed to uphold the core values of the company and put the protection of our customers at the heart of everything we do...

Reconciliation at Acenda

Acenda offers support for customers and financial advisers impacted by NSW Mid-North Coast floods

Acenda offers support for customers and financial advisers impacted by NSW Mid-North Coast floods...

Boomer bank is under siege

First published in the Australian on 12 May 2025 By Anthony Keane The Bank of Mum and Dad is at increasing risk of collapse amid soaring living costs and a culture of entitlement in some families...

Advice reforms an urgent priority

This article was also published on Independent Financial Adviser on 2 June, 2025. With the election over and the Labor Government re-elected, the implementation of its financial advice reforms must be...

Appointment of future Independent Non-Executive Directors

Appointment of future Independent Non-Executive Directors...

Acenda welcomes new Trustee for customers in Smart Future Trust

Acenda welcomes new Trustee for customers in Smart Future Trust...

Industry first to deliver Australians faster life insurance

Industry first to deliver Australians faster life insurance...

Vivo Companion to support Australians on the recovery journey

Vivo Companion to support Australians on the recovery journey...

Mr. Chris de Bruin appointed as the future Group Chief Executive Officer of Acenda Group

Mr Chris de Bruin appointed as the future Group Chief Executive Officer of Acenda Group...

Putting customers first

At Acenda, we aim to be customer obsessed. It’s more than a mindset, it’s a movement. Because behind every policy is a person. A family. A future. Whether it’s helping a young family...

Working in your 20s – what you need to know

Planning for tomorrow: the financial actions you need to take in your 20s...

Tailoring your protection through each life stage

We look at the different life insurance needs at key stages of your life, to help you make sure you have the right amount, at the right time...

Protecting your insurance against inflation

Inflation Proofing, also known as indexation, is a feature included in a number of Acenda Policies where we’ll automatically increase your sum insured each year on your Review Date to take inflation...

Nicole's story

When Nicole’s* world fell apart, her doctor told her, “Enough. You need to rest. You can’t do this.” Family violence can take a dreadful toll. Nicole wasn’t coping, and...

Dealing with divorce

Getting divorced is the second most traumatic life event you’ll ever go through – and it’s also extremely complex...

How to keep premiums affordable

Navigating through rising living costs...

Switching jobs? 9 tricks you don't want to miss

Here are 9 tips to consider when switching jobs...

Property ownership. Protecting the Great Aussie Dream

Owning your own place, for most, is a dream come true. Here are some points to help prepare you for home ownership...

Working in your 30s - the financial reality

Planning for tomorrow: the financial actions you need to take in your 30s...

Leaving the right legacy – how to reduce the risk of leaving a financial mess

Your retirement should be comfortable, but there may be some unplanned financial pressures to act on...

Is your paperwork in order?

Here are ways to keep your legal and financial paperwork in order – you don’t know what tomorrow holds...

Having a baby? Here’s your new arrival checklist

Here's a list of must-dos before the baby arrives...

Working in your 40s – what you need to know

Planning for tomorrow: the financial actions you need to take in your 40s...

Whats the difference between general and personal advice

How general and personal advice can help you decide what is right for you...

The difference between life insurance and health insurance

When protecting ourselves and our loved ones, life and health insurance play essential roles in providing financial security. So, it makes sense that these two types of insurance are often confused...

Your post-wedding admin checklist

Here’s a list of the things you may need to consider once you’ve said ‘I do’...

Why you need to think about who gets your payout

The importance of who receives your insurance payout...

Damien's claim experience

From cycling one day, to hospital the next. Damien shares with us how life insurance was able to help him focus on his recovery and continue being there for his family. His heartwarming story...

Things to keep in mind when you’re deciding on life insurance

Calculating how much and what type of life insurance you need can be daunting. Here are five things to think about...

Life and all its changes

Life is full of unpredictable twists and turns, both positive and negative. From new beginnings like falling in love or starting a new job, to unexpected challenges like illness or the loss of a loved...

How to make sure your life insurance benefit goes to the right person

When a claim is made on a life insurance policy, your insurer's payment once the claim is approved is called a benefit. The recipients of this payment are known as beneficiaries. Who you can name as...

How a life insurance calculator can help you

Life is constantly changing, so it’s important to make sure your insurance keeps up with these changes. To protect your current and future needs, a life insurance calculator can help you check...

Life insurance for your needs and budget

Choosing the right life insurance for you and your family depends on your financial needs and current budget. Here are some ways to determine how much insurance will cover your needs and the policy...

Workplace Gender Equality Reporting 2023-2024

MLC Life Insurance Employer Statement Our commitment to gender equality At MLC Life Insurance, we are committed to creating a culture that is diverse, inclusive, and reflective of our community and...

Adviser Support

Customer Support

Payments

I want to update my client’s payment details For most policies, you can update your client’s payment details by viewing their policy details online. Select Clients and then Client...

Additional Support

Acenda recognises that some customers have unique needs or may experience vulnerabilities that require additional support when applying for insurance, making an enquiry, claiming on your cover, making...

Change of trustee and super fund

NULIS Nominees (Australia) Limited, in its capacity as trustee for MLC Super Fund, has decided to transfer all its insured members’ insurance policies to Smart Future Trust, with a new trustee, Equity...

Payment

I am having trouble meeting my premium payment due to financial hardship I want to make a payment I want to update my payment details   I am having trouble meeting my premium payment due to...

Policy enquiry

I want my financial advisers’ details I want to cancel my insurance cover or policy and replace it I want to cancel my insurance policy or reduce my level of cover I want to know how much I&...

Applying for Life Insurance with HIV

Fraud and scams

Fraudulent activities When a life insurance policy is issued, the policy becomes a contract between the customer (you) and the insurer. You have a legal duty to take reasonable care not to make a...

Your trusted insurance partner

Our fund partners

Digital experience ecosystem

Meet the team

Meet the team...

Manage your policy online

Register here to manage your Acenda policy online. You can then access your personal details and relevant forms and documents to keep your policy up to date...

Insurance options

Acenda provides life cover to suit you, your family or business. When you consider our life cover, income protection, critical illness, TPD or business expenses cover you get over 130 years of...

When to consider life insurance

Whatever life stage you're at, having the right life insurance can help protect what’s most important to you. Acenda has a range of life insurance products to meet your changing needs...

Where to get Acenda

Getting life insurance with Acenda is simple and there are a number of ways you can do it. You can purchase it through a financial adviser, through your super fund or through your employer...

Partnering with us

Acenda values its partnership with Financial Advisers, Superannuation Funds and Employers in providing tailored life insurance solutions for their clients...

Using your insurance

As an Acenda customer here's all the resources you need to manage your policy. Find out more about our claims process and forms and documents to manage your policy...

Life happens. We're here.

When things take a turn, we’ll help you stay on track...

Our connections and community

Your career growth and development

Celebrating our diversity and belonging

Working at Acenda

Working at Acenda...

Our business experts and teams

Rewarding and celebrating you

Bringing our best to life

Your wellbeing and flexibility

How insurance works

Getting life cover to protect you and your family is an important step. Find out how Acenda can help you understand how life insurance works and the steps to get it...

Vivo Incentive - A discount for life At Acenda, we believe it takes more than delivering great insurance products to deliver our promise and value to customers. We want to provide care and support...

Acenda Scoops ALUCA Life Insurance Excellence Awards

Acenda Scoops ALUCA Life Insurance Excellence Awards...

Your team of Acenda Specialists

Your team of Acenda Specialists...

How life insurance can help you

Protect your family and lifestyle with life insurance from Acenda. Find out how the right cover can help protect what is important to you...

Target Market Determinations

On 5 October 2021, the Design and Distribution Obligations regime was introduced for product issuers and distributors of a range of financial products, including life insurance. The Design &amp...

Research & insights

Annual Report - Super customers only If you hold insurance inside super and you’re a member of the MLC Super Fund, this Annual Report is relevant to you. The MLC Super Fund Annual Report is...

Appointment of future Acenda Group Chief Financial Officer and Chief Risk Officer

Appointment of future Acenda Group Chief Financial Officer and Chief Risk Officer...

Millennial mental health claims help push life insurers to $2.2b crisis

Millennial mental health claims help push life insurers to $2.2b crisis...

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Tackling the mental health crisis is a shared responsibility

Tackling the mental health crisis is a shared responsibility...

Life Insurance is still a super idea

Life Insurance is still a super idea...

About us

Acenda has been protecting Australians for over 130 years through a range of award-winning products and services. We make sure our customers have access to life insurance products that are innovative...

How to contact us with a complaint

  If you have a complaint about our organisation, products, services, staff or the handling of a complaint, please contact us using the steps described below. We take your concerns seriously and...

YFYS Review an opportunity to improve protection for women

YFYS Review an opportunity to improve protection for women...

Life insurance at tax time

The relationship between life insurance and tax isn’t always simple. Here are the main types of cover within life insurance, possible deductions, and tax payable...