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Acenda life insurance at a glance
- Acenda Life Insurance has over 135 years experience providing life insurance.
- Acenda has an award-winning claims and customer service team.
- Acenda customers can access an award-winning health, wellness and recovery program called Vivo. This provides a range of services including fitness consults, medical second opinions, mental health support and more.
About Acenda life insurance
Acenda has over 135 years experience providing Australian customers with insurance policies. Acenda is a member of the Nippon Life Group, one of the world’s leading life insurers. The combination of Nippon Life Group’s global expertise and Acenda’s understanding of local customers allows Acenda to provide a range of insurance options to suit everyday Australians.
Product offerings
Acenda offers the following products:
- Term life insurance – Pays a lump sum cash benefit to your beneficiaries (e.g. your family/kids/partner) in the event of your death/diagnosis of a critical illness.
- Income protection – In cases where you can’t work due to sickness or injury, income protection can provide up to 70% of your income in monthly payments.
- Total and permanent disability (TPD) cover – Provides a lump sum payment in case you suffer a permanent disability and are no longer able to work.
- Trauma cover (sometimes called critical illness cover) – Protects you if you are diagnosed with a critical illness by paying you a lump sum to help pay for your expenses.
- Accidental death – Pays your beneficiaries a lump sum in the case of accidental death. Claims can be made if the death is within 180 days of the accident.
- Child critical illness – A form of cover that helps pay expenses incurred while your child suffers from a critical illness.
- Occupationally acquired infection – Specifically for people in the medical profession, this policy covers you in cases where you might contract an infection from your workplace. This may include Human Immunodeficiency Virus (HIV), Hepatitis strands, and other infections.
This information is intended as a guide only. For more information regarding benefits, limits and terms and conditions, read the Product Disclosure Statement (PDS). You should always read the PDS for each policy before deciding to buy.
Why choose Acenda life insurance?
Acenda is an award-winning insurance company committed to providing protection to the futures of Australians and their loved ones through various insurance solutions and flexible options. With an industry first digital Personal Medical Attendant Reports (PMARs), Acenda can provide faster underwriting and quicker quotes to its customers. Their claims process, TPD Express, can fast-track eligible claims for customers, reducing settlement times.
Always read the Product Disclosure Statement for any life insurance policy before making a decision to buy.
Frequently Asked Questions
When you apply for insurance, Acenda will perform a risk assessment (known as underwriting) to determine what products you’re eligible for and to help calculate your premiums. While requirements vary depending on the policy, you’ll need to provide some medical information as part of the underwriting process.
Life insurers will often apply minimum and maximum entry ages (the youngest age you can take out insurance) and an expiry age (the age your insurance expires). For Acenda, these ages will vary depending on the product you’re purchasing.
| Cover type | Entry Age (Age at next birthday) | Exit age (Age at next birthday) |
|---|---|---|
| Life cover |
Outside super: 11-70 Inside super: 16-70 Terminal Illness Support insurance option: 19-60 Business Safeguard Options: 19-60 |
Outside super: 100 Inside super: 74 (there is an option to continue with a non-super policy) Terminal Illness Support insurance option: 65 Business Safeguard: 65 |
| TPD insurance |
Stand-alone cover: 16-60 Extension to critical illness: 19-60 |
Outside super Stand-alone and extension cover: 100 Extension to critical illness: 65 Inside super: 74 Extension to critical illness 65 |
| Critical illness insurance | 19-60 | 75 |
| Income protection insurance | 19-60 |
Outside super: 70 Inside super: 70 Special terms apply to insurance after 65 |
This information is accurate as of September 2025. For full details of a specific policy, refer to the product disclosure statement and target market determination.
Acenda no longer offers level premiums to new customers but will continue to honour previously existing level premium policies. With a variable-age stepped (formerly stepped) premium structure, your premiums will be calculated annually on your review date. Various factors such as your age, risk level, family history and occupation will be taken into account when calculating your new premium each year.
If you need to make a claim, it’s important you contact Acenda as soon as possible. The sooner you let them know you’d like to make a claim, the sooner the process can begin. You’ll need to provide any required documentation and evidence for your claim. If Acenda require additional information, they’ll get in touch.
If your insurance is through your super fund or employer, your best option is to contact them directly. They will then work with Acenda to get your claim underway.
You can cancel or reduce your policy at any time by contacting Acenda Life Insurance over the phone or by sending a signed and dated request by email or mail.
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