How to make a claim


Call MLC Life Insurance Claims on 1300 411 535

It’s easy to make a claim – call 1300 411 535, fill out the form and submit your claim. After your claim’s assessed, you’ll be advised of the outcome as soon as possible.

A snapshot of this policy

  • Terminal illness or death with a lump sum payment of up to $1 million, depending on your age
  • If you die (and we have not already paid you the benefit for Terminal Illness) you will receive an advance payment to your estate of $10,000 to cover things like funeral expenses
  • Access to Best Doctors, a service which connects you with a network of over 50,000 leading medical specialists from around the world. It offers a second opinion when you need it most, helping you get the right diagnosis and treatment plan.

This snapshot is a guide only. Make sure you read the NAB Essentials Product Disclosure Statement (PDF, 388KB) for details of exclusions, limitations, eligibility, fees and charges and how benefits are calculated and paid. Please also read the NAB Financial Services Guide.

Frequently asked questions

How can I get more information?

Call 1300 133 252, 8.30am - 6pm Mon-Fri (AEST/AEDT).

How much does it cost?

Your premium is calculated based on a variety of factors including age, gender, smoking status, and the amount of insurance you choose.

What are the payment options?

You can pay monthly or fortnightly by credit card or direct debit.

How do I change my level of cover?

To change your cover, simply call 1300 411 535 between 8am - 7pm, Mon-Fri (AEST/AEDT).

I'm having trouble with my premium payment. What do I do?

If you're experiencing trouble with your premium payments - for example, if you’ve missed one - please call us on 1300 411 535 between 8am - 7pm, Mon-Fri (AEST/AEDT) and we'll work something out.

Who do I contact if I have a complaint?

We're always trying to improve our customers experience, but we know things don't always go the way they should. See how you can raise an issue with us, how it will be resolved and what to do if you're still not satisfied.

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Important Information

  • MLC Limited (MLCL) ABN 90 000 000 402, AFSL 230694 is the insurer and issuer of this insurance which has been branded and distributed by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).
  • This insurance is not a deposit with, a liability of, or guaranteed by 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 NAB Group of Companies. MLC Limited may pay benefits to NAB and its related bodies corporate for the distribution of this product.
  • Any financial advice is general only and has not been prepared having regard to your personal circumstances. You should consider your personal circumstances before acting on any advice. You should consider the NAB Essentials Product Disclosure Statement (PDF, 388KB) or call 1300 133 252 before deciding whether to continue to hold the product. If you’d like more comprehensive and individually tailored insurance, speak to a NAB Financial Planner on 1300 558 863.
  • Your access to the Best Doctors service is arranged by MLC Limited. For terms and conditions that apply to the service go to

Target Market Determinations for these products are available at