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Real Insurance – Income Protection Insurance

Real Insurance – Income Protection Insurance

Real Insurance prides itself on providing trusted service and real value to Australian families. Real Insurance has received numerous industry awards that are a reflection of customer satisfaction and a testament to its commitment to protecting the financial future of people across Australia.

With Real Income Protection Insurance, you can relax knowing you have cover in place to help take care of your living expenses if you’re unable to work because of an injury or sickness, so you can focus on recovery and getting back to work without added financial stress.

Plus, you’ll get back 10% of the premiums you’ve paid after the 12 month anniversary of your policy with The Real Reward™.

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Real Income Protection Insurance

  • Cover up to 70% of your pre-tax income, up to $15,000 per month
  • Australian residents aged 18–60 who work a minimum of 15 hours per week can apply over the phone – no medical, blood test or forms required
  • Flexible cover options to suit your needs and budget
  • You will be assessed based on your work duties instead of your job title
  • Apply for a benefit period from 6 months, 1 year, 2 years, or 5 years
  • Choose a waiting period to suit you – either 30 or 90 days
  • Premiums can be tax-deductible – seek professional advice to see if you are eligible
  • Includes cover if you’re unable to work due to a mental health event
  • Final expenses benefit – your family can receive $10,000 to help cover your funeral costs, if you pass away while the policy is active
  • Recurrent disability benefit – if your injury or sickness reoccurs within 6 months of your last claim, there won’t be a second waiting period
  • Rehabilitation benefit – you could be reimbursed up to an additional 50% of your income benefit each month that you take part in a rehabilitation program for up to 6 months, up to a maximum of $3,000
  • Stress-free claim experience with your own dedicated claims specialist based in Australia

Some things you should know:

  • Monthly benefit amount and benefit period are dependent on underwriting outcome.
  • The income benefit payments you receive will be either monthly amount insured or 70% of your pre-tax income, whichever is less, and reduced by any other disability payments for your injury or sickness.
  • Policy expires on the policy anniversary after your 65th birthday.
  • The above table shows a select summary only. For full details of the benefits on offer, including what exclusions apply, read the relevant Product Disclosure Statement.

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