Life Cover

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Family <br/>Life Cover

Protect your family with life cover

If your loved ones depend on you financially, think for a minute about what their lives would be like if suddenly, you were no longer there to provide for them. Real Family Life Cover gives you the peace of mind of knowing if something does happen to you, your family will have enough money to take care of major household expenses like the mortgage, car repayments and school or university fees.

Family Life Cover is pure, no-frills life cover. You simply choose a benefit amount, which we will pay as a lump sum to your beneficiaries if you pass away or become terminally ill.

Of course, life insurance isn’t just for the main breadwinner. If you or your partner is the primary carer for the children and the home and either of you pass away, you’ll need extra money to cover costs such as childcare and housekeeping. That’s why we offer flexible term life insurance that lets you insure you and your partner on the one policy.

For a free quote and to apply, call 1300 377 325 and speak to one of our friendly Customer Service Specialists, or click here to request a life insurance quote.

The benefits of Family Life Cover

  • Enjoy affordable peace of mind, with cover from as little as $1.46 a week*
  • Renew your insurance for life — guaranteed
  • Add an extra person to your plan or get optional extra covers for complete peace of mind
  • Benefit from hassle-free life insurance claims, paid for any cause of death from day one (except suicide in the first 13 months)
  • Receive 100% of your benefit if you’re diagnosed as terminally ill with less than 12 months to live
  • Apply over the phone in minutes — no complicated forms or medical or blood tests
  • Pay fortnightly or by the month at no extra cost
  • Relax in the knowledge that your policy is protected by the third-largest reinsurer in the world
From only $1.46 a week*
Quick cover guide

Choice and flexibility

We’ll help you tailor your life insurance policy for the level of protection you want, while keeping premiums affordable. Choose how much you’d like to receive (depending on your age), whether to pay by the year, month or fortnight (at no extra cost) and single or joint cover. See Cover levels below.

Easy application

No medical or blood tests — just answer a few simple questions about your health and lifestyle over the phone.

Hassle free claims

Prompt life insurance claims with your own personal Claims Consultant to make things easy.

Guaranteed renewals

As long as you pay your premiums on time, we guarantee to renew your cover
  Request a quote

Call us on 1300 377 325 or get a quick quote.

Cover levels

With Real Family Life Cover, you can choose the benefit amount to suit your needs, starting from the minimum amount of $100,000. Simply choose the life insurance benefit you want in increments of $50,000, up to the maximum shown below for your particular age group:

Quick cover guide
Age Maximum benefit
18 to 44 $1 million
45 to 54 $750,000
55 to 59 $500,000
60 to 64 $300,000

Call us on 1300 377 325 or request a quote.

Real affordability

Real is all about affordable, easy to understand life insurance. Here are some of the ways we help to make your life insurance more affordable:

  • Low premiums starting from just $1.46 a week*
  • Your choice of benefit amount, so you can match your benefit to your budget
  • A Real Reward™ for your loyalty — we’ll pay back 10% of the premiums you’ve paid when you’ve held your policy for more than 12 months

Call us on 1300 377 325 or request a quote

What you’re covered for

We’ve designed Real Family Life Cover to be simple and flexible. There is no need for tests, and you choose the life insurance benefit you want to receive.

Death by accident

If you die in an accident, we’ll pay your nominated benefit to your family or estate.

Death by any cause

We’ll pay a benefit from day one if you die, no matter what the cause, excluding suicide within the first 13 months.

Serious Illness

We’ll pay a benefit if you’re diagnosed with a serious illness such as malignant cancer, stroke or heart attack.

Terminal Illness

If you’re diagnosed with a terminal illness, we’ll pay your benefit in advance.

Advance funeral benefit

If you die, we’ll pay a $10,000 advance funeral benefit while we assess your claim, so your family is not left with the cost.

Free interim Accidental Death Cover

If we need some time to assess your application, we’ll give you free interim Accidental Death Cover for up to 30 days.

Optional benefits

With the choice of Children’s Insurance, Total and Permanent Disability Insurance, Serious Illness Insurance and Accidental Death Insurance your family’s financial future will be assured.
Find out more about optional benefits

Call us on 1300 377 325 or request a quote.

Optional Insurance

Children’s Insurance

You can extend your Family Life Cover by adding Children’s Insurance for an additional premium.

Find out more about Children’s Insurance

Total and Permanent Disability Insurance

You can extend your Family Life Cover by adding Total and Permanent Disability Insurance for an additional premium.

Find out more about Total and Permanent Disability Insurance

Serious Illness Insurance

You can extend your Family Life Cover by adding Serious Illness Insurance for an additional premium.

Find out more about Serious Illness Insurance

Accidental Death Insurance

You can extend your Family Life Cover by adding Accidental Death Insurance for an additional premium.

Find out more about Accidental Death Insurance

Call us on 1300 377 325 or request a quote.

From only $1.46 a week*

† This is a summary of the Real Family Life Cover policy. For full details, read our Product Disclosure Statement.

* Premium based on $100,000 benefit for a female non-smoker aged between 18 and 34.


Free Information Pack

Information Pack
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