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

Patrick Mcgregor - Rated 3 out of 5

The operator was fantastic , the process seemed way to complicated!

Customer review

Kyron Riley - Rated 5 out of 5

Yes i would recamand real insurance too all me family am friends

Very appreciative.

Ceajae Saorsa - Rated 3 out of 5

Was polite, very helpful & considerate. positive experience, happy to recommend.

Excellent customer service

Rohit Phansalkar - Rated 5 out of 5

Very detailed explanation of the things covered under my policy. very prompt service and got everything sorted out in one call

Customer review

Trusted Customer - Rated 5 out of 5

The service was good

Customer review

Gek Kok - Rated 5 out of 5

Was clear and precise in their products and explanation. coming from a sales & service industry for many years i would say well done to them.

Customer review

Daniel Lines - Rated 5 out of 5

Real insurance the customer service and friendly agent on the phone could not have done more to help keep up the great work

Customer review

Elton Mcmillan - Rated 5 out of 5

The consultant was super nice. he knows his products very well.

Customer review

Trusted Customer - Rated 5 out of 5

Good fast and knowlegeable

Very friendly

Amy Newton - Rated 5 out of 5

They were very friendly and answered all my questions very fast


Lily - Claude Stephanie Otten - Rated 5 out of 5

Operator was great, friendly and knowledgeable of the products.

Customer review

Remya Reghu Menon - Rated 4 out of 5

They took through and explained each and every word even did not hesitate to repeat again if you were stuck on some information. very easy to deal with.

Greast service, thank you.

Albert John Molineux - Rated 5 out of 5

Yes and yes customer service person got me a service at a price i could afford so i'm pleased.

Customer review

Trusted Customer - Rated 5 out of 5

Knew what they were talking about

Too pushy... did not listen to me or accept i did not want the product

Fay KRUSHKA - Rated 3 out of 5

Too pushy. not good customer service

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Customers rate us

Rated 4.7/5 from 1759 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.