MLC Super: who insures your cover, and how to reach them

Checked August 2026

Cover attached to an account with MLC Super is underwritten by Acenda. That means a claim involves two organisations: MLC Super, which holds your account, and Acenda, which assesses the claim under the policy.

Who underwrites the cover

The insurer

Nippon Life Insurance Australia and New Zealand Limited, trading as Acenda, ABN 90 000 000 402, AFSL 230694.

MLC Super is the fund. Acenda is the insurer. They are separate organisations with separate records.

The trustee is NULIS Nominees (Australia) Limited, ABN 80 008 515 633, AFSL 236465, part of the Insignia Financial group. The insurer is Acenda, part of the Nippon Life group. The MLC Super Fund insurance guides state that the insurer is not part of the Insignia Financial group.

So the split between the two organisations is unusually visible here: the trustee sits in one corporate group and the insurer sits in another.

Acenda is the trading name of Nippon Life Insurance Australia and New Zealand Limited. The same insurer was called MLC Limited, and its insurance business was branded MLC Life Insurance, until the legal name changed on 26 September 2025. The ABN and AFSL did not change with it, and the fund's own guides carry ABN 90 000 000 402 on both sides of that date. Older insurance guides, policy documents and letters still say MLC. Both names are the same insurer, so a document naming one and a letter naming the other are not a contradiction.

Which insurer applies to you depends on when the event happened, not on who the fund uses today. If your condition started or you stopped work some time ago, ask who held the policy then. This directory records who insures what. It does not say what any policy covers, whether cover applies to a situation, or whether a claim would be paid. Those are decided by the policy terms and by a person's own circumstances, never by a list.

What cover types the guide describes

The current MLC Super insurance guide describes these types of cover:

Death cover, including terminal illness
Total and permanent disability (TPD) cover
Income protection

That is a list of what the document describes, not a list of what is on any particular account. Which of these you hold, and whether it is still active, are facts about your own account, and the fund can read both to you over the phone. What any of it would do in your situation is a question for the policy and for licensed professionals, not for a directory.

How to make contact

General line: 132 652. A dedicated claims line is not verified.

132 652 is the general enquiries line. A dedicated claims line was not confirmed at the checked date, so ask the general line to put you through to claims.

The fund's current insurance guide: MLC MasterKey Business Super insurance guide. This is the fund's own document, not ours. It is the one to read, and the one to ask about by name if the version you are sent looks different.

The fund's own claims page: MLC Super insurance and claims.

Details to have ready for the fund

For a request about your account, have these details ready. The fund will tell you which details and identity checks it needs.

Your membership or client number, if known. If it is missing, ask the fund to help locate your account.
Your full legal name.
Your date of birth.
Your current address.
An earlier address used when the account opened, if known and the fund's details may be outdated.

Call using the fund's official contact details above, or use its secure app or member portal where it offers enquiries. Ask which verified secure channel accepts historical insurance and document requests; not every app accepts the complete request. Keep these identity details for the fund; do not enter them on this page.

If someone is helping, ask which authority process the fund accepts. Having these details does not give another person access to the account or its records.

The phone call

This is the call that tells you what you hold and who holds it. It is free, and you are asking for facts about your own account.

Words to use on the phone

"I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents."

"And can you tell me which insurer holds the policy, and which insurer held it when my condition started?"

The first sentence is the one that gets you everything, and it works on any fund. The second is the one most people never think to ask, and it is the one that tells you which organisation you are actually dealing with. If you have had more than one job, you may have more than one fund, and each one is worth the same call.

What to ask MLC Super

Which insurer holds the policy for my account, and what is its full legal name?
Which insurer held the policy on the date my condition started, or the date I stopped work?
Which insurance guide applies to my account, and can you send me the version that was current then?
Is the cover on my account still active, and when did each type of cover start?
Do I lodge with the fund or with the insurer, and what is the first step?
Is the claims number different from the general member line?
Can you send me the policy document itself, not just the summary?
Does my cover sit under MLC Lifestage, and if so does the cover amount change automatically with age?
Is my account part of a tailored employer plan, and does the same insurer apply to that plan?

None of these asks anyone to judge a claim. Each one asks for something already written down.

Sources

Insurer, cover types, contact details and guide link taken from the fund's own material and checked on 14 August 2026.

https://www.mlc.com.au/content/dam/mlc/documents/disclosure/mkbs/mkbs-ig-standard.pdf

Underwriting arrangements change at short notice. If your fund tells you something different from this page, your fund is right, and we want to know: tell us and we will check it.

Where to go next

Every fund and its insurer, including what to do if your fund has merged into another.
"Do I have insurance somewhere?" if you are not sure you hold anything at all.
How to find out what cover you hold, step by step.

If something here has changed since it was checked, tell us and we will fix it: contact.

Which of these sounds like where you are?

I don't know where to start

The whole interview from the first question, with nothing assumed and nothing pre-filled. Not knowing where to start is a situation this tool is built for, not a failure to have picked a better door.

I'm looking into this for someone else

For a partner, a family member or a friend. Question one asks who this is for, and the answer changes the page: what a fund or a scheme will tell you today without any paperwork, and what waits for a signed authority. Most of it can be done without them.

I'm on workers comp, the TAC (Transport Accident Commission), Comcare or the DSP (Disability Support Pension)

For a reader who already knows who pays. Picking the scheme here fills question 3, and the interview goes straight to what has arrived and what has changed.

My payments have stopped or changed

Starts from the money. The payments-stopped event is ticked at question 2, and the next question is who pays, because who pays decides whose published rules the change runs under.

I've had a letter and don't understand it

I heard the rules changed and I don't know if it's about me

Rules change, and most changes only reach claims first made on or after a set date. The interview asks roughly when the claim was made, and the page names the rules it drew and the date each one was checked. Not knowing that date is a normal answer, and the page names who can tell you.

I've been off work a long time

Most of what this tool can show runs on time from when work stopped. The stopped-work event is ticked at question 2 already, and the interview asks who pays, then the month and year work stopped.

I want to know what insurance I might have

The super branch. Insurance is commonly attached to super accounts, including accounts since closed, merged or rolled over, and what is attached to an account is a question a fund can answer without any claim existing. This door asks who pays now, the date work stopped, and the funds held around then.

My situation isn't one of these

Including Western Australia, Tasmania, the Northern Territory and the ACT

Situations this tool does not describe yet.

This tool draws the published timetables it has checked: workers compensation in Victoria, New South Wales, Queensland and South Australia, the TAC, Comcare and the DSP. If the situation is not in that list, this page will not guess at it.

For Western Australia, Tasmania, the Northern Territory and the ACT: we have not checked those rulebooks yet, so no scheme timetable is drawn for them. The parts that are national still apply: super, insurance inside super, and Centrelink. The interview can still run for those parts, and the page it builds says plainly which parts have not been checked.

Whatever the situation, three routes are open and free: the claims line printed on any letter about the claim, the member line of any super fund held when work stopped, and Legal Aid in every state and territory.

Run the national parts anyway

If you want to talk it through

Enquiries open soon. When they do, the contact page is where to reach us: we'll explain which doors exist for your situation and, if you want, introduce you to a firm on our panel. You never pay us. Panel firms do.

We try twice, then we stop. There is no third call and no marketing list.

How to reach us