Help with your existing life insurance policy

To find out more or make a claim under your existing NAB Essentials policy, please call the customer service team on 1300 411 535.

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Terms and Conditions

MLC Limited (ABN 90 000 000 402 AFSL 230694) (MLC) is the insurer and issuer of Essentials insurance which has been branded and distributed by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).

MLC Limited uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and not a part of the IOOF Group of Companies. Aegon Insights Australia Pty Ltd (“Aegon”) ABN 35 082 524 785, AFSL No. 236657 has been authorised by MLC Limited to arrange life risk insurance contracts and deal with claims on their behalf.

Neither NAB, nor any of its related bodies corporate, accepts liability or guarantees payment of any claim or benefit in respect of this insurance. A policy does not represent a deposit with, or a liability of, nor is guaranteed by either NAB or any of its related bodies corporate.

Any financial advice in this notice is general only and has not been prepared having regard to your personal objectives, financial situation and needs. You should consider your personal circumstances, and the information provided in the Product Disclosure Statement before acting on any advice in this notice. 

For the standard terms, conditions and exclusions about this insurance, please refer to the Product Disclosure Statement (PDS) (PDF, 387KB), opens in new window and any supplementary PDS (if applicable) available by phoning 1300 411 535. The Target Market Determination for this product is available at

From 1 October 2021, the duty to take reasonable care not to make a misrepresentation replaces the duty of disclosure. Information can be found at, opens in new window.

The information on this page about the insurance coverage is a summary only and you should refer to the PDS and the Policy Wording for full terms, conditions, limits and exclusions that apply.