Family Life Cover

Taking out Family Life Cover is one simple thing you can do to protect those that matter most to you. Simply choose the Benefit Amount you want your family to receive, and this will be paid to them as a lump sum cash payment if you pass away or become terminally ill.

Your loved ones can then use the money to help keep their life on track – helping to cover the mortgage, any car loans or daily living costs.

You can also apply for a Joint Policy to cover yourself and your partner under the one plan.

See how easy it is to apply for cover today

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What’s covered

  • From day one, death by any cause (including an Accident) is covered, excluding suicide within the first 13 months
  • If you’re diagnosed with a Terminal Illness, we’ll pay 100% of your benefit in advance
  • We give your family a $10,000 advance funeral benefit, so they’re not left with the cost while we assess your claim
  • Free interim Accidental Death Cover for up to 30 days if we need extra time to assess your application
  • Get more protection with optional cover, including Children’s Insurance and Total & Permanent Disability Insurance

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

Cover levels

With Real Family Life Cover, you can choose the Benefit Amount that suits your needs, from $100,000 up to $1 million – in increments of $50,000. See the table below for the maximum cover amount, which is dependent upon your age.

Once accepted, as long as you pay your premiums on time, we guarantee to renew your cover despite changes to your age, health and lifestyle.


Maximum Benefit

18 to 44

$1 million

45 to 54


55 to 59


60 to 64


Cover starts from as little as $1.46 a week1

Request a Quick Quote Now

Why choose Real Insurance

  • Apply over the phone in a single call with no medicals or blood tests, and get guaranteed renewal for life
  • Pay fortnightly or monthly – at no extra cost
  • Keep your premiums manageable by choosing your level of cover
  • Choose from a range of optional covers for greater protection
  • We'll refund 10% of premiums you've paid in the first 12 months with The Real Reward
  • Stress-free claims with your own personal specialist located in Australia
  • Your Policy is backed by the third-largest reinsurer in the world

Need help deciding?

Understanding Life Insurance

Not sure if Life Insurance is for you? Unsure how much cover you need? Here are some tips and insights to help you protect your family's financial security.

Life Insurance Q&A

Find fast answers to commonly asked Life Insurance questions.

Get started with Real Life Insurance. Call us on 1300 377 325 or Request a Quote.

Read what our customers are saying

Customer review

Rita Brennan - Rated 5 out of 5

Changing insurance companies was so easy

Customer review

Christine Forrest - Rated 4 out of 5

Quick efficient service, friendly people, call back came when promised. well done to sarah.

Customer review

Trusted Customer - Rated 4 out of 5

I was treated with courtesy and respect. all my questions were answered.

Customer review

Sarah Lloyd - Rated 5 out of 5

Great and i would buy from them again

Customer review

WAYNE GOODWIN - Rated 5 out of 5

Very friendly and helpful.

The service very professional but policy is...

Chantal Zeelie - Rated 4 out of 5

The agent was very professional ,polite and helpful ! policy is a bit on the expensive side so might cancel during my cool down period

All good , i have my car insured and now life...

Trusted Customer - Rated 5 out of 5

All good , no complaints l. i have my car insured for the last 3 years. now i’ve just purchased.

Excellent service

Trusted Customer - Rated 5 out of 5

Agent knew her product totally. engaging & friendly

Customer review

Regina Aiiloilo - Rated 5 out of 5

The operator i dealt with in terms of setting up my policy with real, zainul, was fantastic! he was polite, helpful & understanding when i didn’t understand certain things. thanks zainul for helping make this much...

Customer review

Steven Filep - Rated 5 out of 5

Very easy and simple to understand and very helpful staff made the choice easy

Easy simple and very helpful

John Harnetty - Rated 5 out of 5

Easy simple and very helpful and the cheapest out there


Trusted Customer - Rated 5 out of 5

It is beacuse i was happy with the service. kyle has been very accomodating with my needs and answer all my questions.

Friendly and efficient

Darshana Shah - Rated 4 out of 5

Fast, friendly and efficient customer service by joseph harake. thank you

Customer review

Trusted Customer - Rated 5 out of 5

Quick, easy & straight forward process

Excellent, very polite well spoken thank you...

Lynette HICKS - Rated 5 out of 5

Very good, explaned everything really well i would recommend to anyone.

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Customers rate us

Rated 4.7/5 from 1,853 Reviews

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