Real Insurance

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 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