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

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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
  • Real Insurance is a multi-award winning insurance company, so you can relax knowing your family’s in safe hands

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

Real insurance delievered the best customer service i could have asked for any answered any questions on things that i was unsure of.

Excellent customer service

Trusted Customer - Rated 5 out of 5

Zohra was really friendly and knowledgeable. she's also very helpful and happily answers all my questions.

Excellent customer service and explaining the...

Samantha Krall - Rated 5 out of 5

Sarah was very helping and informative

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Josephine Stevens - Rated 4 out of 5

Explained clearly all requirements and the operator was respecfull on the phone.

Customer review

Roma Panjaitan - Rated 4 out of 5

So far still ok with the service as i just start buying the insurance. i hope this will be effective for future investment on the life insurance and let see what will be the benefit. thanks

Quick efficient and great experience

Elzanne Strydom - Rated 5 out of 5

Life insurance

Customer review

Sophy Kosmidis - Rated 5 out of 5

Your customer service team went beyond expectation and explained the policy thoroughly

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Lynette Mcneil - Rated 5 out of 5

I found the experience very easy and the person i spoke to was very helpful

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Trusted Customer - Rated 5 out of 5

Well service great more helpful

Customer review

Trusted Customer - Rated 5 out of 5

Really quick to get back to you and they are well spoken easy to understand and if i didnt understand a question they broke it down so i new exactly what i was getting. recommend them to everyone.

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Kirsten Baliva - Rated 5 out of 5

Very easy to understand

Customer review

Pelenatete Mapusua - Rated 5 out of 5

Good service by phone very understandable.

Quick, no hassles with real insurance operator

Craig Pertini - Rated 5 out of 5

The customer service operator was very clear, concise and friendly. she didn’t keep me waiting unnecessarily and she was empathic.

Excellent customer service!

Frances Gordon - Rated 5 out of 5

Everyone i've dealt with at real insurance is polite, knowledgeable and customer focused. one of the best customer service experiences i've ever had. thank you!!!

Customer review

Rita Brennan - Rated 5 out of 5

Changing insurance companies was so easy

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Rated 4.7/5 from 1,867 Reviews

  1. Premium based on a Single Plan providing a $100,000 benefit for a female non-smoker aged 34. Subject to underwriting.