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Real Insurance

Real Insurance entered the market in 2005 when it ventured into protecting the quality of Australian lives with heart. And because there’s no such thing as the average person, it hit the ground running with innovative ways to customise cover to suit anyone’s needs and budget.

Real offers award-winning insurance products that are designed to offer peace of mind at reasonable prices, with the added benefit of customer service that’s caring and exceeds expectation. A simple claims process and the backing of your policy by the third largest insurer in the world means you can rest easy knowing the life you’ve worked hard to build is protected.

Insurance products

Real Family Life Cover

  • Choose cover from $100,000 up to $1 million depending on age, which is paid as a lump-sum cash payment to your beneficiaries when you pass away¹
  • Benefit from The Real Reward™: Real Insurance will give you back 10% of premiums you’ve paid after the first 12 months of your policy
  • Choose from a range of optional covers such as Serious Illness Insurance and Total and Permanent Disability Insurance for greater protection and tailored cover

Real Life Cover for SMSF

  • Choose cover from $100,000 up to $2 million (depending on your age)
  • Pay your life insurance premiums from your SMSF (instead of your post-tax income)
  • Continuous cover for life, as long as your premiums are paid, and you remain a member of your SMSF2
  • Contributions to your fund can be tax deductible3
  • 100% of the benefit is paid in advance if you’re diagnosed with a terminal illness (with less than 24 months to live)

Real Funeral Cover

  • Australian residents aged 40–79 are guaranteed acceptance
  • Fast payment to your family (usually paid within 1 business day of receiving completed documents)
  • Choose cover from $3,000 up to $15,000 (cover for accidental death and accidental serious injury only in the first 12 months)
  • No forms, medicals, or blood tests required to apply
  • Triple benefit paid for accidental death (up to $45,000)
  • Automatic cover for accidental serious injury at no extra cost4
  • Your premiums won’t increase every year5
  • No premiums payable after you reach age 85
  • After age 85, you can cancel your policy and choose the early cash payout option to get 75% of your funeral cover amount OR keep your policy and get a 25% bonus cover at no extra cost when you pass or reach age 1006
  • Free will kit with your policy to help get your affairs in order
  • 30-day cooling off period

Real Pet Insurance

  • Choose from three plans to find the perfect fit for your cat or dog
  • Take the stress out of caring for your sick or injured pet by claiming up to 80% of eligible vet bills up to $12,000 per year7
  • Take your pet to any vet registered to practice in Australia, and pay no excess
  1. Excludes cover for death or terminal illness as a result of a self-inflicted injury in the first 13 months.
  2. Applies for death cover only.
  3. Check with your financial advisor.
  4. Accidental serious injury cover expires on the policy anniversary after your 75ᵗʰ birthday.
  5. The premiums may change if you make changes to your policy or if the underlying premium rates are changed for all policy holders.
  6. There’s no refund of premiums after the cooling off period. The total amount of premiums payable over the life of the policy has the potential to exceed the cover amount. If you choose the early cash payout option, you’ll no longer be eligible to claim as this option will cancel your policy.
  7. Exclusions, benefit limits, and sub-limits apply. An annual condition limit applies to some policies. Claim for reimbursement. Information is general. Please read and consider the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) before purchasing for specific details of the policy’s inclusions and exclusions based on your selected level of cover.

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