Our upgrade philosophy

MLC's upgrade philosophy means you and your clients don't need to remember what has and hasn't been added - because all upgrades automatically apply. All you need to do is check the latest PDS for policy features.

And every time we make an upgrade, provided it won't affect premiums, we pass the improvement on to all new and existing clients automatically, regardless of their health status or age.

So, while some other insurance companies promote a similar 'Guarantee of Upgrade', they may only apply upgrades to clients in a particular policy series, to new business only, or to policyholders commencing cover from a certain point in time.

With over 200 upgrades passed on to clients in the last 20 years, MLC is serious about providing your clients with the best cover possible over the long term.

To find out more speak to your MLC Representative.