While our team is available and happy to answer any questions you might have, we appreciate that sometimes it’s faster simply to find the answer yourself. That’s why we’ve created this frequently asked questions page – so that all the most commonly asked questions about Encompass Protection can be found in one central place.
We appreciate that when your client needs to make a claim, they’re often experiencing a period of uncertainty and financial vulnerability. That’s why our claims process is responsive and straightforward.
Importantly, we also understand and value the role of the adviser during claims time. Further information about our claims process is available here.
Tags: About Encompass Protection | Claims
We pay commissions weekly.
Tags: Commissions | Adviser services
No, we only accept online applications for Encompass Protection. You can submit an online application via our adviser portal.
However, if you’re meeting with a client and won’t have access to our online portal, we’ve created a data capture form – this form allows you to collect the information required to complete the application online when you return to your office. You can access our data capture form here or order printed copies here.
Yes, you can order printed copies of the Encompass Protection PDS via our online ordering portal available here.
To order printed PDSs, you must be a registered Encompass Protection adviser.
Not registered with us? Simply complete our ‘register your interest’ form available here.
Alternatively, please don’t hesitate to contact our sales team directly on:
Phone: 1300 576 049
Tags: Adviser services
Our aim is to make life as easy as possible. We’ve therefore kept the number of forms your client needs to complete to the absolute minimum.
In the first instance, we recommend you get in touch with our underwriting, service or claims team – they’ll be able to confirm the most efficient way to manage your enquiry or request.
Our team can be contacted on:
Phone: 1300 576 049
Tags: Adviser services
If you’re a registered Encompass Protection adviser, you can contact your dedicated NEOS service consultant for support with Encompass Protection administration or commission enquiries.
If you’re not a registered Encompass Protection adviser, simply complete our ‘register your interest’ form available here.
Alternatively, please don’t hesitate to contact our sales team directly on:
Phone: 1300 576 049
Tags: Commissions | Adviser services
If you’re a registered Encompass Protection adviser, you can contact your dedicated underwriter for support with Encompass Protection underwriting questions and enquiries.
If you’re not a registered Encompass Protection adviser, simply complete our ‘register your interest’ form available here.
Alternatively, please don’t hesitate to contact our sales team directly on:
Phone: 1300 576 049
You can now complete a quote or application for Encompass Protection using the same platform that you use for NEOS Protection (this also means you can use your existing NEOS username and password to login).
You can access the adviser portal here.
Note: you will still need to be registered with Encompass Protection to complete a client application. You can register to be an Encompass Protection adviser here.
If you’re a registered NEOS Protection adviser, you can contact your dedicated NEOS BDM for support with Encompass Protection.
If you’re not a registered NEOS Protection adviser, simply complete our ‘register your interest’ form available here.
Alternatively, please don’t hesitate to contact our sales team directly on:
Phone: 1300 576 049
Tags: Adviser services
Simply complete our ‘register your interest’ form available here.
Alternatively, please don’t hesitate to contact our sales team directly on:
Phone: 1300 576 049
Tags: Adviser services
No, Encompass Protection does not charge a policy fee.
Yes, a 7.5% premium discount will apply to our lump sum covers (Life Cover, TPD Cover and Critical Illness Cover) when the insured person meets the following criteria:
See our Adviser Guide for further details.
Our application system only supports one insured person per policy. This streamlined process ensures your clients are covered as quickly and painlessly as possible.
We know how much advisers value the experience that NEOS delivers. Whether it’s the dedicated service team, fast turnaround times or easy-to-use adviser portal, the NEOS Experience makes an adviser’s job easier and improves client satisfaction.
That’s why NEOS has partnered with MLC Life Insurance to launch Encompass Protection – a product that combines the NEOS Experience with MLC Life Insurance’s financial strength and claims service.
All Encompass Protection life insurance policies are promoted and administered by NEOS.
This means that regardless of whether you’ve recommended NEOS Protection or Encompass Protection to your client, you will:
You can access a copy of the Product Disclosure Statement and Policy Document from our website at www.encompassprotect.com.au/pds
Tags: Adviser services | About Encompass Protection | About my policy
You can contact our claims team on:
Customer phone: 1300 476 030
Adviser phone: 1300 576 049
Email: claims@encompassprotect.com.au
Tags: Claims
No, Encompass Protection is only available as an individual life insurance policy and only via financial advisers.
Encompass Protection is issued by MLC Limited (MLC Life Insurance) ABN 90 000 000 402 AFSL 230694.
MLC Life Insurance has been protecting Australian lives for over 130 years, and in 2022 paid over $1.2 billion in claims to its customers. It has built a strong reputation for excellence in claims management. In fact, MLC Life Insurance has some of the fastest claims approval turnaround times in the industry and are known for managing claims effectively and efficiently. So, you can be confident that you and your loved ones are in safe hands because all Encompass claims are handled by the team at MLC Life Insurance.
For further information visit: www.mlcinsurance.com.au
Encompass Protection is a highly rated suite of life insurance cover types available as self-owned or superannuation owned policies that will meet the needs of most customers, at very competitive prices. The cover types available under Encompass Protection include:
| Cover | Available as | Maximum sum insured at entry |
| Life Cover | Stand-alone | $3,000,000 |
| Total & Permanent Disability (TPD) Cover |
Attached to Life Cover Linked to Life Cover Split |
$3,000,000 |
| Critical Illness Cover | Stand-alone Attached to Life Cover Linked to Life Cover |
$1,000,000 |
| Income Protection Cover | Stand-alone | $20,000 per month |
Life Cover, TPD Cover and Income Protection Cover are available both inside and outside super.
Encompass Protection is issued by MLC Limited and promoted and administered by NEOS Life.
Tags: About Encompass Protection | Product
NEOS Life (NEOS) is a registered business name of Australian Life Development Pty Ltd ABN 96 617 129 914 AFSL 502759.
NEOS is a specialist in life insurance administration and provides administrative services for Encompass Protection.
Since their launch in 2018, NEOS has changed the way life insurance is delivered in Australia by focusing on making life insurance easy, accessible and friendly. In doing so, they’ve lived up to their mission of setting a new standard in life insurance. As a result, you can expect a truly outstanding customer experience when it comes to the assessment of your application and management of your Encompass Protection life insurance policy.
For further information visit: www.neoslife.com.au