We are going to look at every type of insurance that exists and tell you 3 things:

1. Should you have it at all?

2. What is best for you?

3. The amount and structure you require






Life Insurance

Ensure that your family is protected in the event of your death.

Life Insurance is designed to help alleviate the financial burden your family might feel if you were to pass away.

We are able to help you identify your family's needs and ensure you have adequate cover. 


Lump Sum Payment

Ensure that your family is protected in the event you were to pass away.

  • Super vs Non Super
  • Full death vs Accidental Death
  • Terminal Illness benefits

Total and Permanent Disability

Protection in the Event You Become Disabled

TPD Insurance provides you with a lump sum payment in the event that you become totally and permanently disabled.

This payment helps provide for you and your family and can be used for any medical expenses, eliminating debts or funding permanent lifestyle changes.


Trauma Cover

Protection in the Event of a Serious Illness or Injury

Trauma Insurance (also known as Critical Illness Insurance) provides you with a lump sum payment to cover immediate medical costs and future financial needs when you have been diagnosed with a critical illness or injury. 

We are able to ensure that you are adequately covered so your expenses are taken care of should you suffer one of these conditions.

There are approximately 42 conditions covered under Trauma Cover, including:

  • Cancer
  • Heart Attack
  • Stroke
  • Best Doctors* for both you and your immediate family


* Refer MLC Insurance Best Doctors PDS

Income Protection

Cover When You Are Unable to Work 

Income Protection covers you for up to 75% of your income, in the event that you cannot work due to sickness or injury and your income stops. 

Receiving a monthly benefit, much like a salary, can help you maintain your financial responsibilities should you be unable to work.

This enables you to focus on recovery and rehabilitation without the stress of being put into financial hardship.