Real Life Insurance

Real Life Insurance

How would your family cope if you were to fall seriously ill or, even worse, pass away? Most Australians insure major items such as their home, car or health, but what about the most precious asset: your own life?

What’s covered?

When you commence your insurance policy, you, your spouse, partner, or de facto1 named within the policy are immediately covered for death and terminal illness.2 Not only that, but:

  • Free interim Accidental Death cover for up to 30 days if we need extra time to assess your application
  • We will pay 100% of your Benefit Amount in advance if you’re diagnosed with a Terminal Illness (with less than 12 months to live)
  • A $10,000 advance funeral benefit to your family to assist with the immediate costs of a funeral while we’re assessing your claim

Features & Benefits

  • Apply over the phone with a single call
  • No medicals or blood tests required
  • Continuous cover for life, as long as you pay your premiums when due (some optional covers may expire)3
  • Pay your premium fortnightly or monthly at no extra cost
  • Choose your own level of cover
  • Choose a different level of cover for your spouse, partner, or de facto
  • Choose from a range of optional covers for increased protection
  • You’ll get back 10% of the premiums you have paid in the first 12 months with The Real Reward
  • You will be assigned your own claims specialist, located in Australia, for a stress-free claim experience
  • Your policy is backed by the third-largest reinsurer in the world

Total & Permanent Disability Insurance

  • Choose a Benefit Amount between $50,000 and $1 million (depending on your age)
  • Pays your cover amount in full if you become permanently disabled or can’t work due to a permanent illness or injury
  • Use the payout to cover costs of treatment, rehabilitation or for anything else you may need

Children’s Insurance

  • Cover your children between ages 2 and 17 years old
  • Choose a Benefit Amount from $20,000 up to $50,000 for each child insured
  • Covers a range of specified serious illnesses and injuries
  • Paid as a lump-sum if your child passes away
  • Use the Benefit Amount in any way you wish

Serious Illness Insurance

  • Available for Australian residents aged between 18 and 59 years
  • Choose a Benefit Amount from $50,000 up to a maximum of $500,000
  • Cover for some of the most common serious illnesses
  • Use the Benefit Amount in any way you wish

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