Financial advisers

Acenda values its partnership with Financial Advisers. Get in touch with our Distribution Team, and they can help guide you through our products, online tools and other resources...

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...

Critical Illness

When diagnosed with a serious illness, it can be reassuring to know you have the right insurance in place so you can focus on your recovery. Acenda offers comprehensive Critical Illness insurance (or...

MLC Insurance and MLC Insurance (Super) Premium Discounts

We believe you should be rewarded for doing more to protect yourself and your family. That’s why we have a range of premium discounts available to eligible customers applying for MLC Insurance...

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...

How premiums are calculated

As your life changes, so should your cover

Manage your insurance...

Our claims philosophy

Our claims philosophy

Acenda is committed to supporting our customers in their time of need. It’s our culture to assess life insurance claims quickly and with minimum fuss. Our dedicated team of claims assessors support...

Understanding life insurance and premiums

Understanding your insurance...

Insurance solutions for your clients

At Acenda, we’ve developed a range of insurance solutions that are flexible and accessible so they can confidently protect your client’s lifestyle, family and business...

A tool for business efficiency

Acenda continually works towards developing and enhancing tools and resources for our partners. Partnering with us gives you access to a range of online quoting and application tools, helping to make...

Protecting Your Super

What is Protecting Your Super? The Protecting Your Super (PYS) package of reforms was included in the 2018-19 Federal Budget announcement and came in to effect on 1 July 2019. These reforms aim to...

Here for life. Here for you. We’ve been here in Australia for 137 years. So, you know we’re here for the long haul, every step of the way. We understand the importance of building strong...

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...

Customer Portal payment functionality

With improved payment functions in our Customer Portal, we’ve seen a 37% reduction in missed payments. Customers can now complete payments by: logging into the Customer Portal with their...

Ethics CPD for the modern risk adviser...

Access client documents

  To access your clients’ documents in the Adviser Portal, select the client, and then select the correspondence tab to download the documents. If you’d like to learn more, please...

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...

Documents and forms

Supporting Acenda customers by providing easy to find and ready to print forms and supporting documents...

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...

Supporting you to make a claim

Acenda provides you with a dedicated claims assessor to guide you through every step of the claims process. Speak to our claims team on 1300 125 246...

KickStart your recovery

Forms

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

Upgrades

We constantly review and make improvements to our insurance products. Some improvements which don't affect the policy premiums are automatically passed on as upgrades. Here you can access the product...

Product Disclosure Statements

Find our Acenda Product Disclosure Statements here...

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...

Media

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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...

MLC Life Insurance and Resolution Life Australasia to Merge, Forming Acenda, One of Australia’s Largest Life Insurance Businesses

Today Nippon Life Insurance Company (Nippon Life), a leading global provider of life insurance and asset management, announced the acquisition of 100% of the shares of Resolution Life. On completion...

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...

When to review my insurance cover

Life insurance provides a great safety net for you and the people that matter most to you. However, life doesn’t stay still, so your insurance must keep up to date with any changes in your life. Let’s...

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...

Andrew Beevors

Chief Claims & Transformation Officer Andrew leads the claims function at Acenda and is responsible for all facets of our claims strategy and management. Supporting us in our ambition to be...

Kristin Miller

Chief People Officer Kristin leads the People function at Acenda. She is responsible for the sustainability, culture, people and talent agenda that supports our people in delivering the company’...

Jacqueline Korhonen

Independent Non-Executive Director  Jacqueline is an Independent Non-Executive Director, Chair of the Board Incident Management Oversight Committee and a member of the Board Audit, Board Risk and...

Peter Grey

Independent Non-Executive Chairman Peter is the Independent Chair of the Board and the Chair of the Board Nomination Committee for MLC Limited. In addition to Peter's position on the Board, he is also...

Lesley Mamelok

Chief Financial Officer Lesley is Acenda’s Chief Financial Officer, with responsibility for the Finance, Actuarial, Capital & Corporate Finance, Strategy, Data Governance and Internal Audit...

Catherine Dubé

Independent Non-Executive Director Catherine is an Independent Non-Executive Director, Chair of the Board Audit Committee, a member of the Board Incident Management Oversight, Board Risk and Board...

David Stephen

Independent Non-Executive Director David is an Independent Non-Executive Director, Chair of the Board Risk Committee, and a member of the Board Audit and Board Remuneration Committees for MLC Limited...

Gerard Kerr

Chief Executive Individual Business Gerard leads the Individual Insurance Business function at Acenda. Under Gerard’s leadership, this team is focused on the delivery and performance of our end-...

Craig Dunn

Independent Non-Executive Director Craig is an Independent Non-Executive Director, Chair of the Board Remuneration Committee, and a member of the Board Audit and Board Risk Committees for MLC Limited...

Ravi Aggarwal

Non-Executive Director Ravi is a Non-Executive Director and member of the Board Nomination Committee for MLC Limited. Ravi is also a non-executive Director of Diners Club Pty Ltd and National...

Mirella Robinson

Chief Technology Officer Mirella leads our technology business unit, overseeing technology, enterprise security, and data and analytics teams. With over 20 years of experience as a senior technology...

Melissa Ammon

Chief Risk Officer Melissa leads the Risk, Governance and Legal function at Acenda and is responsible for enterprise-wide risk, compliance, regulatory affairs, corporate governance, legal and company...

Kent Griffin

Chief Executive Officer and Managing Director Kent is the CEO and Managing Director of Acenda. Kent joined Acenda as Chief Financial Officer in February 2020. Prior to joining Acenda he was Chief...

Jane Murray

Chief Operating Officer Jane is responsible for leadership of the operations, underwriting and remediation functions at Acenda. Amidst Jane’s 25 years of financial services experience, she...

Kazuhide Toda

Non-Executive Director  Kazuhide is a Non-Executive Director and a member of the Board Nomination, Board Risk, Board Audit, and Board Remuneration Committees for MLC Limited. Kazuhide is the Head...

Koji Ichiba

Executive Director Koji is the Executive Director for Acenda. Joining us in March 2024 from Nippon Life’s Tokyo office, Koji is one of our most senior international executives. Since joining...

Jane McGovern

Chief Customer & Strategy Officer Jane leads the Customer and Strategy function at Acenda. She is responsible for enhancing the customer experience and embedding a customer culture, as well as...

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...

Adviser Portal help

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...

Claims

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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...

Customer Portal help

Your trusted insurance partner

Proof of identity: what we need from you

Keeping your information secure is important to us. That’s why we ask you to prove your identity with some requests and transactions on your policy. The identification you need to provide will depend...

Our fund partners

Excellence in underwriting

Digital experience ecosystem

Health is the new wealth

Meet the team

Meet the team...