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I can't afford my premiums

How can MLC Life Insurance help me?

We’re sorry to hear you’ve been affected and we’re here to help. If you’re facing financial difficulties, our Financial Hardship Policy can help you with a premium pause and other support, so you can hold on to your insurance and continue to protect your lifestyle and your family into the future. For a response from our specialist support team, please:

Speak to your
Financial Adviser

We can work with your adviser on how we might best help you and ensure your insurance remains in place.

Submit a Financial
Hardship Request

If you are concerned about your ability to make life insurance premium payments, please contact MLC Life Insurance so that we can discuss what support can be provided during this time. Options are applied on a case by case basis in discussion between customers and our Education and Loyalty team.

Or call us on one of these numbers:

Debt Protection

1300 280 133

MLC EasyCover
NAB Credit Card Cover
NAB Mortgage Protect
Personal Loan Cover
National Loan Cover

13 22 95

Any other MLC Life
Insurance policy

13 65 25

Where else can I go for financial help?

Here’s a list of contacts who may be able to help.

To get a payment or other help from the government

Government Services Australia (Centrelink)

To apply for early access to your super

Australian Tax Office

To find out how NAB can help

NAB Homepage

Australian Banking Association

Australian Banking Association

Government support programs

Australian Treasury

Wellness services to help you through this difficult time

As an MLC Life Insurance customer, you can use these wellness services at no extra cost.

Best Doctors

Best Doctors connects you and your family to a virtual network of medical specialists. While it doesn’t replace your own doctor, it does help answer your questions and give you more clarity, without leaving home.
Learn more

Mental Health Navigator

Mental Health Navigator connects you to a dedicated mental health nurse and a virtual network of clinical psychologists and psychiatrists, so you can get more information about your diagnosis and treatment plan.
Learn more

More tips and resources

Here are some other articles you may find interesting

Under the dome

Read more

The silver linings of COVID-19 isolation

Read more

Keeping your family active through COVID-19

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Eating well during COVID-19

Read more

Managing parents’ mental health during COVID-19

Read more

Working from home — keeping it remotely normal

Read more

How we can help

Through COVID-19 and beyond, we've made our customers 'A promise for life'. As we navigate the changes happening every day, our customer service and claims teams are ready to support you.

To learn more about how we can help, please choose one of the options below.
I've been affected by COVID-19.
I want to understand my cover and what it protects.
I run a business. What are my options?
I want to understand what impacts the COVID-19 vaccine might have on my cover.
I'm an adviser and need answers to my clients' FAQs.
What other services and support can I access?

How have you been affected by COVID-19?

I cannot afford to pay my premiums
I have been made redundant due to COVID-19
I have been ill and unable to work due to COVID-19
I require mental health support due to COVID-19
The information on this website has been prepared by MLC Limited ABN 90 000 000 402 AFSL 230694. The information is general only and has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on any information on this website you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Product Disclosure Statements (PDS) are available for the products described on this website. You should obtain and consider the PDS relevant to the product you are interested in before making any decision about whether to acquire or continue to hold the product as it contains important information about the product including who issues the product, its key features, benefits and exclusions. You can obtain a copy of the PDS for each product at the relevant product page on this website or by calling us on 13 65 25. MLC Limited uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and is not a part of the IOOF Group. Copyright MLC Limited. All rights reserved