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Real Life Insurance

Real Life Insurance

3.7 from 329 reviews

Life insurance with Joseph

I spoke to Joseph and he sorted out my life insurance in no time. Joseph was kind, funny, easy to understand and a beautiful listener. It felt like talking to an old friend. Can not be happier! Thank you Joseph.

Value for Money
Transparency
Customer Service
Claim MadeNo

Efficient and Professional

Easy set up. Explained in simple terms and told where I could get further information. My request was straight forward not sure how it would go if my case was more complicated?

Claim MadeNo
1 comment
Hi Gregory, Thank you for taking the time to share your feedback with us. I am pleased to hear of the ease in which you were able to set up your policy and of the efficient service that you received. Kind regards, Jessica

Would never recommend this company!

I applied for cover over the phone. As soon as Real Life Insurance person heard I had a heart condition he dismissed me in a very rude way. This company does not treat people as individuals. They did not take the time to find out I am at my healthiest and fittest condition ever. I have life insurance with another company now that took the time to really get to know me and my health condition.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi, We endeavour to provide excellent customer service and I’m sorry to hear that this hasn’t occurred on your recent contact with us. I have sent you a private message in regards to this. Kind regards, Jessica

Ali ...... Great Customer service

Fairly straightforward to set up. Very nice customer service operator (Ali). The premium seems reasonable and there is a 30 day cooling off period to review if needed. Overall a very easy process.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Stuart, Welcome to Real Insurance. I am pleased of the great service you received from Ali as he guided you through setting up this policy and that your premiums are reasonable. If you need further assistance, please don’t hesitate to contact us on 13 19 48 or send a private message through product review. Kind Regards, Sharon

They were very patient with me despite giving them the runaround

I feel i got the best deal it was explained in full what i could claim and what i am covered for. I am also happy with the forthightly premiums

Claim MadeNo
1 comment
Hi Cha Cha, Thanks for such a wonderful review. It is a pleasure to hear that we can provide you suitable cover and peace of mind. I would love to share your feedback with our team, and I have sent you a private message to obtain some additional information to assist with this. Kind regards, Sharon

Wonderful

Had a good experience. The customer service rep. was great and explained everything so well. Joining was quick and easy. Got the best advice which made it easy for me to make my decision.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Noah, Welcome to the Real Insurance community. We are delighted to have you join us and thrilled to hear you had a good experience as our representative guided you through the setup of this policy. I would love to share your feedback with our representative and I have sent you a private message requesting some additional details to assist with this. Thank you for sharing your experience. Kind regards, Sharon

Excellent

Very helpful and understanding to my request of applying for life insurance. Any questions were answered and the consultant help me understand better the questions that were asked of me.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Rachel, Thank you for your lovely review. We are delighted to receive positive feedback and very happy that we could offer you such outstanding service. Welcome to Real Insurance. I would love to share your comments with our team member, and I have sent you a private message requesting some additional information to assist with this. Kind regards, Sharon

Best protection for the future of my family and home I could research.

when I completed the policy it was best value for the cover I ended with and have opportunity to change as it suits it was a bit drawn out but was easy enough to follow.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Dennis, Welcome to the Real Insurance family. We are thrilled that after conducting your research, you found our policy to be great value and suitable to your needs, Thank you for sharing your positive experience with us. Kind regards, Sharon

Perfect and easy process

Very easy to set up and accurate saved up 120 per f/n. Emily was a pleasure to deal with help myself and my partnet out. Awsome customer service by emily.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Fiona, Thank you for taking the time to share your experience with us, we really appreciate it. I am pleased to hear of the great service that you have received from Emily and that we could provide you and your partner with an affordable option. Kind regards, Jessica

Meets my current needs

Seems to be good value and was easy to setup and will give me piece of mind. Information provided st the time was clear and easy to understand and I felt comfortable with my choice.

Value for Money
Customer Service
Claim MadeNo
1 comment
Hi Yvonne, Thank you for sharing your review on your experience with us. I am delighted to hear of the ease in which you were able to set up your policy and that we can provide you with the peace of mind, knowing that you are covered. Kind regards, Jessica

Easy to set up.

Easy to setup and quick but a bit expensive. Makes you weigh up if it is worth it I guess. But all the same is something that is there for the wife if ever needed so peace of mind.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Darren, Thank you for taking the time to share your thoughts with us, we really appreciate it. I am pleased to hear that we can provide you with the peace of mind, knowing that you are covered and of the ease in which you were able to set up your policy. Kind regards, Jessica

Life is Real

Very easy to set up, I spoke with a real person that was very friendly and explained everything in simple terms and the service was excellent and great value. I would recommend Real Insurance

Value for Money
Transparency
Customer Service
Claim MadeNo
2 comments
Hi Michaela, What heart-warming review. It is wonderful to hear that our representatives are living our company values and providing customer like yourself, excellent service in simple terms. Thank you for your recommendation. I would love to share your comments with our team, and I have sent a private message requesting some additional information to assist with this. Kind regards, SharonHi Michaela, Thank you for providing these details. We appreciate your feedback and I am delighted to pass your lovely comments on. Kind regards, Sharon

Accident causing death and serious injury

We took a policy out in 2008 for my husband it was death by injury or serious injury he had an accident at work 2 years ago he has been in a wheelchair because he fell and injured his back i put in a claim and it was denied i have now put a dispute we will see what happens now

Value for Money
Transparency
Customer Service
Claim MadeYes
Claim DateSeptember 2017
Claim ApprovedNo
1 comment
Hi, I am sorry hear about your husband’s accident and your claim experience. I would like the opportunity to look into your experience further and I have sent a private message requesting some additional details to assist with this. Kind regards, Sharon

Perfect. My mind is at ease

Great value. Easy to set up. My mind is at ease now that my whole little family is covered should the worst happen.
Customer service was excellent. The rep was kind, patient and helpful.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Janet D., What a wonderful review. I am pleased to hear of the excellent service you received and that having this valuable protection in place has put your mind at ease. Thank you for sharing your experience. I would love to share your feedback with our representative and I have sent you a private message requesting some additional information to assist with this. Kind regards, Sharon

Customer service was excellent

Good value policy.
The customer service rep was so patient and helpful. Was an easy and relaxed process.
Very easy to set up and didn't take to long at all.
Very good.

Claim MadeNo
1 comment
Hi Alycia, What a great review. We are thrilled to hear of the excellent service you received and the ease in which you were able to set up this valuable protection. Welcome to Real Insurance. Kind regards, Sharon

Great review

Good value and I feel secure about my future. I’m glad to have joined up knowing my children will be looked after when I’m gone. Very helpful staff on phone who took me through step by step.

Claim MadeNo
1 comment
Hi Bradley, Thank you for your wonderful review. We are pleased to hear of the step by step helpful service you received when setting up this policy and that you now have peace of mind knowing this cover is in place. Thank you for trusting Real Insurance to care for your insurance needs. Kind regards, Sharon

Customer services was great

I think my cover is fair I kept seeing the ads on TV and it made me think what am I going to leave my family with. I'm glad I've made that step. Now I feel sooo relieved I know I'm covered and that my family won't be left with a huge burden when I pass.

Claim MadeNo
1 comment
Hi Caleb, Thank you for your kind review. It is a pleasure to hear that we can provide you suitable cover and peace of mind knowing you are now covered. Welcome to the Real Insurance family. Kind regards, Sharon

Tv Add—medical questions, but at application, lots of questions asked.

Add says to medical questions asked; however at the time of application, lots of questions asked. What is the point, a policy holder may have any of the deceases at any time in future and that’ Why we are talking insurance.....it seems real insurance aiming not pay claims based on any of the disease in the past which client may not aware of.

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Ahshanur, Thank you for your review. When applying for life insurance there are no medical checks or blood tests just a series of health and lifestyle questions. The information you provide can require us to ask more questions, to determine your eligibility for the cover. Once accepted for life insurance you are covered immediately and any changes to your health and lifestyle in the future will not affect the original terms in which cover was offered to you and accepted. If you would like to discuss this further, please contact us on 1300 367 325 or send a private message with your details and I will arrange for a team member to contact you. Kind regards, Sharon

Customer service was fantastic

I feel the policy value was a fair price but the customer service was really fantastic and I felt good while taking out the policy. It was very informative and gives me peace of mind

Value for Money
Transparency
Customer Service
Claim MadeNo
1 comment
Hi Daniel, What an amazing review. We are thrilled to hear of the fantastic service you received and that you found our representative to be very informative when setting up this policy. I would love to share your comments with our team and I have sent you a private message requesting some additional information. Kind regards, Sharon

Cancelled in writing and still debited

It is disappointing to know I cancelled my policy and my husbands policy in writing, it was confirmed they had received the cancellation and still took off the debit amount 8 days later. I think the amount should be refunded if cancelled in writing.

Claim MadeNo
3 comments
Hi VDM, Thank you for bringing this to our attention. I am sorry to hear that both you and your husband have cancelled your policies with us. If you can please reply to the private message I have sent, and I will look into the refund on your behalf. Kind regards, SharonThank you Sharon. I have responded to the private message.Hi VDM, I understand that a team member has reached out to you and discussed your refund query. The refund will be made once the payment clears in our system, from there please allow 3-5 business days for the refund to appear in your account. Kind regards, Sharon

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Questions & Answers

Who underwrites the cover
1 answer
Hi Sue B., Thank you for your question. Family Life Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484, Level 7, 70 Phillip Street, Sydney NSW 2000. Hannover is a wholly owned subsidiary of Hannover Re and is part of the Hannover Re Group worldwide. Hannover Re is currently the third largest global life reinsurer and has a Standard and Poor's Insurer Financial Strength of AA- (Very Strong) and has maintained this rating for a number of years. he life insurance business of Hannover has been operating in Australia since 1958. Kind regards, Sharon

is it true if your not an Australian citizen you don't pay up
1 answer
Hi Leslie-Anne B, Thank you for your question. If you’re an Australian citizen or permanent resident living in Australia at the time you apply, you’ll be covered anywhere in the world by your Family Life Cover Policy, subject to underwriting. If you would like to discuss this further, can you please send your contact details in a private message and I will arrange for a team member to contact you. Or visit our website https://www.realinsurance.com.au/life-insurance/questions-answers/family-life-cover Kind regards, Sharon

My husband has retired and the life policy has gone up by 34% surely this is an unreasonable increase, it used to go up by 20% which is bad enough but now we may have to cancel the policy as it is unaffordable. Lynne
4 answers
Hi Lynne, I am sorry to hear that you may be looking to cancel your policy. I would like to arrange for one of our lovely team members to contact you to discuss the structure of your policy. If you would like a call, please send me a private message containing your policy details and a suitable time to contact you. Kind regards, JessicaThanks Jessica, I would like someone to contact me, where can I contact you as I am not sure how to private message from this site, thanks appreciate your response, LynneHi Lynne, I have sent you a private message, which you should receive notification of shortly. Kind regards Jessica

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