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...

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...

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...

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...

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...

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...

Product Disclosure Statements

Find our Acenda Product Disclosure Statements here...

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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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...

Vivo Companion to support Australians on the recovery journey

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

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...

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...

How to keep premiums affordable

Navigating through rising living costs...

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...

Why you need to think about who gets your payout

The importance of who receives your insurance payout...

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...

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...

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

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...

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

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...

Child Critical Illness

Child Critical Illness insurance provides financial support if you have to take time off work or pay for unexpected medical expenses. Discuss your life insurance needs with a Financial Adviser and...

Life Cover

As a leading Australian life insurer, our life insurance is designed to provide comprehensive cover and benefits yet also has the flexibility to be tailored to suit your needs. Discuss your life...

Business Expenses

If you're self-employed or operate a small business, ensure your business expenses are covered if you become totally disabled and unable to work. Discuss your life insurance needs with a Financial...

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...

Occupationally Acquired HIV, Hepatitis B or C Infection

Acenda offers specialist cover for medical professionals if they were to acquire specific infections in their workplace. Speak to a Financial Adviser to find out more about your life insurance options...

Income Protection

Your ability to earn an income is one of your greatest assets, so it makes sense to protect it. Our income protection insurance provides a wide range of benefits and additional options to suit your...

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...

Actuarial Students

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...

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...

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...

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...

Industry first a game changer for underwriting in life insurance

Industry first a game changer for underwriting in life insurance...

Working at Acenda

Working at Acenda...

A guide to dealing with cyclones – from preparation to recovery

A guide to dealing with cyclones – from preparation to recovery...

A guide to dealing with bushfires – from preparation to recovery

A guide to dealing with bushfires – from preparation to recovery...

A guide to dealing with floods – from preparation to recovery

A guide to dealing with floods – from preparation to recovery...

Navigating the aftermath: a guide to maintaining your mental health following a natural disaster

Navigating the aftermath: a guide to maintaining your mental health following a natural disaster...

A guide to dealing with storms – from preparation to recovery

A guide to dealing with storms – from preparation to recovery...

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...

Premium Waiver

Acenda offers Premium Waiver insurance to help you cover your insurance premiums should you become retrenched or totally and permanently disabled...

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...

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...

Ban on genetic test results in underwriting vital for client certainty

Ban on genetic test results in underwriting vital for client certainty...

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 customer...

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 contact your...

'Take Life On' - Acenda launches its new brand platform to empower Australians

'Take Life On' - Acenda launches its new brand platform to empower Australians...

Meet the team

Meet the team...

Your team of Acenda Specialists

Your team of Acenda Specialists...

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...

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...

Customer Support

Adviser Support

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

 ...

Take Life On - A Brand Journey

Take Life On - A Brand Journey...

Our business experts and teams

Our connections and community

Bringing our best to life

Celebrating our diversity and belonging

Appointment of future Independent Non-Executive Directors

Appointment of future Independent Non-Executive Directors...

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...

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...

Acenda Scoops ALUCA Life Insurance Excellence Awards

Acenda Scoops ALUCA Life Insurance Excellence Awards...

Acenda welcomes new Trustee for customers in Smart Future Trust

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

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...

Your career growth and development

Rewarding and celebrating you

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...

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...

Industry first to deliver Australians faster life insurance

Industry first to deliver Australians faster life insurance...

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...

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...

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-...

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...

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’...

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...

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 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...

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...

Mark Puli

Chief Group Insurance Officer Mark leads the Group Insurance function at Acenda, which focuses on our end to end Group Insurance proposition bringing all our partners the full benefits and scale of...

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...

Smart digital support smooths road to recovery

Smart digital support smooths road to recovery...

Where to get Acenda insurance products

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...

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...

Your trusted insurance partner

Customer Portal help

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&...

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...

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...

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...