MLC
MLC Insurance
We offer a range of insurances you can choose from to meet your personal and business needs.
The flexible design of our products means you can protect your lifestyle, family and business. We actively look for the most cost effective and tax effective ways for our customers to purchase their insurance.
Because of this, we give you two ways to package your insurance:
- MLC Insurance where you can purchase insurance outside superannuation (super).
- MLC Insurance (Super) where you can purchase insurance inside super.
And, because life is always full of changes, you can modify your cover to suit your developing needs. So, while injury and illness will never be painless, our insurances mean you can avoid the impact they may have on your finances.
| Type of insurance available | What is it? |
|---|---|
| Life Cover insurance | Pays a lump sum benefit on death or terminal illness or accidental injury. |
| Critical Illness insurance | Pays a lump sum benefit if you suffer a specified critical condition. You can also access Best Doctors with a Critical Illness insurance policy. |
| Child Critical Illness insurance | Pays a lump sum if your child first has a critical condition or dies. |
| Total and Permanent Disability insurance | Pays a lump sum benefit if you’re totally and permanently disabled due to illness or injury. |
| Accidental Death insurance | Pays a lump sum if you die due to an accident or your death occurs within 180 days of the accident. |
| Occupationally acquired HIV or Hepatitis B and C Infection insurance | Pays a lump sum if you unintentionally acquire Human Immunodeficiency Virus (HIV), Hepatitis B or Hepatitis C as a result of performing your normal duties in the health industry. |
| Income Protection insurance | Pays a monthly benefit if you are totally/partially disabled or under rehabilitation. |
| Business Expenses insurance | Reimburses certain business expenses when you’re unable to work due to total disability. |
| Premium Waiver insurance | Waives your premiums under specified conditions (ie retrenchment or while you're totally and permanently disabled). |
To find out more about MLC Insurance see MLC Insurance PDS, get in touch with a financial adviser or call us on 132 652.