Getting the best value

To help you get the most from your life insurance policy, follow these simple tips.

Beware of hidden fees

When comparing life insurance policies, make sure you know exactly what they are going to cost you, by checking there are no hidden fees added to your premium.

Add benefits to your main policy

In some cases you may find it’s better to add benefits and optional cover, such as Serious Illness Cover and Children’s Insurance, to your main life insurance policy than it is to take out separate policies.

Only take out guaranteed renewable policies

Check to see if your policy is guaranteed renewable. This means your insurance company can’t cancel your policy when you get older or if your health or lifestyle changes. You should be able to keep your policy for as long as it suits your needs.

Know your limits

Check if there are any limits on benefits that can be paid, or if there are waiting periods in certain circumstances.

Quit smoking

After being a non-smoker for 12 months, you can apply to have your premiums reduced to non-smoker rates – which can save you as much as 50% on your premiums.

Look out for rewards

At Real Insurance, we reward loyalty. So after the first 12 months of your Policy, we’ll say thank you by giving you back 10% of the premiums you’ve paid during that time.

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