Real Insurance

Real Life Insurance

• Choose cover from $100,000 up to $2 million depending on age, and underwriting outcome, which is paid as a lump-sum cash payment to your beneficiaries when you pass away or are diagnosed with a terminal illness¹
• Benefit from The Real Reward™: Real Insurance will give you back 10% of premiums you’ve paid after your 12-month policy anniversary
• Choose from a range of optional benefits such as Children’s Insurance, Serious Illness Insurance and Total and Permanent Disability Insurance for greater protection and tailored cover (depending on your underwriting outcome)

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 Income Protection Insurance

• Cover up to 70% of your pre-tax income, up to $15,000 per month⁴
• Working Australian residents aged 18 - 60 can apply over the phone – no medical, blood test, or forms required
• Flexible cover options to suit your needs and budget
• Get 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
• Final expenses benefit of $10,000 – paid to your family to help cover the cost of your funeral 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
• Includes cover if you’re unable to work due to a mental health event
• Stress-free claim experience with your own dedicated claims specialist based in Australia
• You’ll get back 10% of the premiums you’ve paid after the 12 month anniversary of your policy with The Real Reward™

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 cost⁵
• Your premiums won’t increase every year⁶
• 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 100⁷
• 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 year⁸
• Take your pet to any vet registered to practice in Australia, and pay no excess