The current iteration of MLC On Track Ceased on the 31st of May 2017

MLC are currently reinvigorating their On Track program over the coming months. All clients with policies issued prior to the 1st of June will be offered the MLC On Track program as per the previous program.

With the MLC On Track wellness initiative, eligible customers are given the opportunity to receive up to 10% premium discounts on their insurance.

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The MLC on Track wellness program not only helps you save on premiums, it also encourages you to increase your physical activity and move toward a healthier lifestyle.

With this program you are able to reduce your premium costs, and become a healthier, more active individual. The MLC wellness program helps you live a fuller, longer life.

Available to New MLC Insurance or MLC Insurance (Super) policy holders

Seven to fourteen days after a new MLC policy has been issued, eligible customers will receive an email offering them the chance to participate in the MLC ON Track program.

Existing MLC Customers

Currently, the program is generally not available to existing policy holders who have either a ProtectionFirst or MLC Personal Protection Portfolio policy. If you are currently a holder of one of these policies please contact our office to see if we can have you considered for MLC On Track program.

What an Eligible Customer Looks Like

In order to qualify for the MLC On Track Program you must:

Have been accepted for an new MLC policy.
Be the life insured and
Either be the policy owner, or
Be the member of an MLC super fund or trustee for an SMSF, and
Have a phone or tablet compatible with your Garmin Vivosmart HR Fitness Tracker.

Discounts Focused on Your results

The MLC On Track program uses the Garmin Vivosmart HR Fitness Tracker to gather and analyse your physical activity and health data. By wearing the activity tracker and achieving your target wellness score, you’ll be rewarded with up to 10% off your insurance premiums for the life of your policy.

To receive a discount, you need to reach your targeted wellness score within the first 12 months of your policy. All participants have the same score of 900. This score is based on a number of factors, including:

  • Step count
  • How active you are
  • Time asleep
  • Time wearing the smart watch
  • Average resting heart rate

The first time you reach your targeted score within 160 days, you are eligible for a 5% premium discount. If you reach your targeted score twice, you became eligible for a further 5% premium discount, giving you a total discount of 10%.

Achieve Your Targeted Wellness Score

You can easily achieve your wellness score of 900 by:

Walking 6 to 8 kms a day (that’s 10,000 steps) or,
Being physically active for 1 hour a day and,
Sleeping a solid 7 to 9 hours a night and,
Recording a resting heartbeat of less than 85 beats per min and,
Wearing your fitness tracker for at least 18 hours a day

The below table, highlights the total amount of points you can achieve each day

CriteriaThreshold per dayPoints allocated per day
Steps (step it)Less than 5,000
5,000 -< 7,000
7,000 - < 10,000
10,000 - < 15,000
15,000 or more.
Active hours (move it)< 20 minutes
20 - < 40 minutes
40 - < 60 minutes
60 - < 90 minutes
90 minutes or more.
Sleep duration< 6 hours
6- < 7 hours
7 - < 9 hours
9 - < 10 hours
10 hours or more.
Time wearing the smartwatch (wear it)< 18 hours
18 hours or more
Resting heart rate (live it)< 85
85 or more.
Divide points by 1
Divide points by 2

Using the Garmin Vivosmart HR Fitness Tracker

In order for you to reach your wellness score you must have a Garmin Vivosmart HR Fitness Tracker, then

  • Set your smartwatch up with a compatible device, such as your mobile phone.
  • Activate your smartwatch to start tracking.
  • Ensure your smartwatch is always charged and synchronised with your phone.
  • Your data will be visually presented to you via a personalised dashboard.

Not only does the On Track program help you save on insurance premiums, it also encourages you to stay healthy and fit by sending motivational messages and health information to your smartwatch.


Be aware of the discounts available to you when maintaining a healthy lifestyle with MLC Insurance. If you have a question about the MLC On Track offer and how it can benefit you, please ask your question below.

Ask an Expert?


  • Mark Rance |

    I already have a fitness tracking device and I don’t want to wear two devices, can I use my personal device to this program?

    • Brett Lenertz SPECIALIST
      Brett Lenertz |

      Great question Mark and can understand your thinking. However, for MLC On-Track you must wear the Garmin Vivosmart HR fitness tracker and have a compatible smartphone to pair with this device.

  • Celia hayes |

    You have sent me the Vivosmart and I have paired the device. However there is no link to when entered in google says there is no site. When you search on the mlc website it cannot be found.

    How can all this work be done to advertise this wellness program and the site is impossible to find?

    • Russell SPECIALIST
      Russell |

      Hi Celia

      Thank you for your question, you can login to the mlcontrack/login here. If you have any further challenges logging in please let me know.

  • dathome |

    I recently took out life insurance policies for my wife and I. We have not received an email to join the programme. Who can I contact about this? How can I confirm our eligibility?

    • Russell SPECIALIST
      Russell |

      Hi Dathome,

      Appologies for the delay in getting back to you. You should have received your email 7 to 10 days after the MLC insurance or MLC insurance Super policy was issued. This email contains the link you to the MLC ontrack enrolment page. If you did not receive the email, either contact MLC directly or you can contact us & we will be happy to help manage your policy and get you set up on MLC ontrack program.

      Please note we understand that entry into the MLC ontrack program may be ceasing (undergoing major changes) on the 31st May 2017, therefore you will need to be quick to gain entry.

    • Uvric Leneer |


      Can my partner wear the device instead of the policy holder?



    • Russell SPECIALIST
      Russell |

      Hi Uvric

      The device needs to be worn by the life insured. However I wouldn’t know how they would be able to find out if the device was being worn by someone else?

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