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.

You could get a $100 Gift Card today1

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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 week2

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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

Trusted Customer - Rated 5 out of 5

Friendly, courteous and highly efficient service.

Customer review

Sarina Peace - Rated 5 out of 5

Brilliant and extremely helpful

Customer review

Elizabeth Tshabangu - Rated 5 out of 5

The agent was understanding and knowledgeable in his stuff,seeking the best outcome for me

Quite easy and erlfficient

Trusted Customer - Rated 4 out of 5

Well structured service documents and polite salesperson

Customer review

Gurjeet Singh - Rated 4 out of 5

Well explained plans on phone , patience , answered all my queries in a friendly manner ! affordable insurance plans ! gift vouchers and discounts !

Customer review

Erin Vanderwal - Rated 4 out of 5

Arlie, was really lovely and friendly. excellent phone manner. very professional. he is a credit to the company

Customer review

Simoi Sereva - Rated 4 out of 5

They explained and help me understand the insurance policies.

Excellent service

Trusted Customer - Rated 5 out of 5

Brilliant service, the exceptional client service officer i dealt with was very thorough and helpful with answering my questions. transparency is why i chose to go with real insurance, i was completely honest with...

Customer service says it all, anthony was amazing

Desiree Joseph - Rated 5 out of 5

Excellent,caring,professional loved speaking to them

Great service

Trusted Customer - Rated 4 out of 5

I dealt with ash and he was very pleasant. provided options for me to consider which was great. employ more people like ash and you’re surely going to have more clients as a result.

Customer review

Trusted Customer - Rated 4 out of 5

Yes and probably.

Very good

Nidhi Bihani - Rated 4 out of 5

Service was good but the representative missed out to ask me beneficiary details. now i will have to call again to update my beneficiary details as that's missing in the policy document.

Customer review

Michael Moss - Rated 5 out of 5

The person i spoke with was very helpful and easy to understand . it was a very straight forward and easy process . it was all completed in a very short time which was a real benefit . well done , will recommend to...

Couldnt have been more help went out of her way...

Gary Diss - Rated 5 out of 5

Excellent service deryn was very helpful in all aspects

Checked 'em all...none better.

Glenn Palethorpe - Rated 5 out of 5

Great service, advice and product. well explained. excellent value. firmly recommend.

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Customers rate us

Rated 4.7/5 from 1806 Reviews

  1. Offer available for a limited time. Policy with a $20 per fortnight premium (“minimum premium”) must be purchased during the promotional period and be active and remain above the minimum premium without lapsing and be fully paid for 90 consecutive days following the first premium payment that you have paid. Limit of one $100 Gift Card per policy. This offer cannot be combined with any other offers. Allow 6 weeks from confirmation of eligibility for delivery of Gift Card. Offer not redeemable for cash. The name and address of the first insured will be supplied to Edge Loyalty Systems Pty Ltd (ELS) to send one prepaid eftpos card to the address on the policy. See full Terms and Conditions.
  2. Premium based on $100,000 benefit for a female, non-smoker aged between 18 and 34.