Income Protection Insurance claims

Need to make a claim?

Take a look at the steps below. If you still aren’t sure what you need to do or how our claims process works, please call us on 1300 307 297 Monday to Friday.

Step 1:

Call or Email

You simply have to call us on 1300 307 297.


Email to let us know that you will be lodging a claim.

Step 2:

Speak to a claims agent

A dedicated claims agent will be assigned to your claim, and will contact you to take you through the claims process.

Step 3:

Complete the forms

Complete all forms provided by your claims agent or simply download the most appropriate form below. Send the completed form(s) along with all required documentation to one of the following:


Real Insurance
PO Box 6728
Baulkham Hills NSW 2153

Step 4:

We’ll do the rest

Once completed documents are received, we’ll assess the claim and pay, subject to approval, without unnecessary delay. Please also refer to our questions and answers section for more information.

Helpful information

  • Make sure you read the claim form carefully and complete it in full. If you don’t we will need to send the form back to you to complete.
  • When supplying proof of identification, please make sure each item is valid and hasn’t expired.
  • Identification supplied needs to match the name on the claim form (e.g. if the claim form is in the person’s married name then the identification needs to be in the married name).
  • All documents provided other than the claim form need to be certified.
  • We may need further information to assess the claim and if so we will be in contact with you.
  • If we are unable to pay your claim, we will explain why and you will also be provided with the opportunity to present extra information to support your claim.

Need more information? Refer to our questions and answers section.

Contact information


1300 307 297
Monday to Friday

The Product Disclosure Statement (PDS) and Financial Services Guide (FSG) are designed to help you decide if a product is right for you and to help you make an informed decision about whether to use the services we provide in relation to Real Life Insurance products.