Review your last buy on ProductReview.com.au
Real Life Insurance

Real Life Insurance

 Verified🏆 2026www.realinsurance.com.au
Real Life Insurance
4.5

1,211 reviews

Positive vs Negative
85%15%
Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
4.4
Customer Service
4.6
Value for Money
4.4

 AI reviews summary 

Real Insurance receives high praise for its initial onboarding experience, though significant concerns exist regarding long-term policy sustainability and claims handling. The majority of feedback highlights a seamless application process supported by professional and empathetic sales consultants. However, a segment of long-term policyholders reports aggressive premium escalations and difficulties during the cancellation or claims stages.

Pros
Professional Onboarding: Sales consultants are frequently described as polite, knowledgeable, and empathetic, particularly when dealing with sensitive personal circumstances.
Clear Communication: Policy terms, regulations, and obligations are explained in simple, understandable language without excessive jargon.
Efficient Application Process: The setup process is fast, often involving quick callbacks after online enquiries and minimal administrative requirements to go live.
Affordable Entry Pricing: Many new customers find the initial premiums to be competitive and reasonable for the level of cover provided.
Cons
Premium Escalation: Long-term users report significant annual price hikes that eventually make the policies unaffordable for retirees or those on fixed incomes.
Difficult Cancellation Process: Multiple reports indicate a convoluted cancellation path requiring written letters or calls from "specialists" rather than simple over-the-phone termination.
Aggressive Debt Collection: Missed payments trigger immediate and persistent harassment via multiple channels (SMS, email, and phone) even after payments have been rectified.
Claims Friction: Some beneficiaries and policyholders have experienced significant hurdles during the claims process, including disputes over diagnosis dates and perceived "dodgy" tactics to avoid payouts.
Verdict

Real Insurance is an excellent choice for those seeking a fast, user-friendly setup with highly supportive customer service during the sales phase. However, prospective customers should carefully review the fine print regarding long-term premium increases and be aware of reported difficulties when attempting to cancel or lodge a claim.

5 J F.  · I'm happy to the person who attend my called and she give me a clear explanation what I need to heard
5 Tanya  · Spoke to a gentleman by the name of Alfred very professional and polite
5 Catharina  · The consultant was amazing. Very friendly and professional, very happy with the process.
5 Tracie  · What a great lady to talk to made everything so easy very polite thank you.
5 Mounga Lakepa  · Good customer service and a clear explanation of their policy.
5 Fe Isabel  · It was quick, well delivered. I thought this is gonna be expensive but then came back affordable. Really happy.
Vaitele
Vaitele
  Verified Real Life Cover

I want to say a special Thank you to Alfred who has served me well and assisting me and family about a beneficial financial support with Real. Everything sounded real and it made me believe that REAL LIFE INSURANCE is highly recommended to all Australians. I found Alfred to be a very respectable family man and down to earth in his customer… Read more ·  1

service. He deserves more promotion for His warm approach and great understanding of the products and offers Real promised to their customers. He made me feel safe and certain that I had no doubts Real is the answer to my need right now. I’m excited to be part of your business and I am looking to share this blessing to my children, families and friends as well. Thank you once again Alfred. Very much appreciated..

Reviews with attachments

  • Thumbnail
Sammy J.
Sammy J.
  Real Family Life Cover

Very happy with my decision – This was done very quickly. Very helpful with what I needed and I was well informed Very organized and good service I paid more than I thought But I understand why that is Show details ·  1

  • Thumbnail
Renata H.
Renata H.5 posts
  Real Life Insurance

Real Life profit from dementia – Very disappointed with this company - they profited from my mother’s dementia situation after she paid off a funeral for 10 years. Real Life insurance ethics are disgraceful. Zero stars if possible. Show details

Real Insurance
Real Insurance    

Hi Renata, Thank you for taking the time to share… Read more (+7 replies)

Latest follow-ups

Renata J.
Renata J.QLD4 posts
  Real Life Cover

Sadly Real Life profited from our late mother's dementia – Very disappointed with this company after she paid off her funeral for 10+ years. Her payments stopped when her bank card changed and no other family members were notified. She was… Read more

notified...but people with dementia don't answer emails and don't have a phone to call. 11 months later she died and they did not pay a cent after taking her money for her funeral for 10+ years. Real Life insurance ethics are disgraceful. Zero stars if possible. No care - just profited from her payments and our family were left with the funeral bill. Grief is horrible enough - they had no remorse. It was shown in their actions during this process.

View · ·

 Follow-up  · They did contact us- but no refund, not a care- just took our mums 11 years of payments in their pocket and did not pay one penny of her funeral because her bank card numbers changed and she had dementia so thy claim they could not contact her. They did not try and contact any family. Everything from their side was “legal” - they called…they… Read more

Real Insurance
Real Insurance    

Hi Renata, Thank you for sharing your review with… Read more (+5 replies)

Positive reviews

Jessica
Jessica
  Verified Real Life Cover

I spoke with a lovely woman by the name of Kayla she was friendly professional and made all facts regulations and obligations very clear and easy to understand will definitely be recommending Real to anyone looking for life insurance and cover Show details ·  1

Rob P.
Rob P.
  Verified Real Life Cover

The bloke dealt with was very professional, very understanding and listened to me when I needed him to. Was decent with his response and as caring as he could be bloke to bloke. Comfortable experience while securing life insurance for my self, for my son. My sons mother has passed away. This was already difficult for me to knowing I'm the only one… Read more ·  1

left for my boy. The young gentleman that helped me out today set it all up was very understanding and compassionate. I appreciate that. Thank you to him and the team.

Liza Abramova-John
Liza Abramova-John2 posts
  Verified Real Life Cover

Great customer service, quick turnaround from the underwriter, pricing wise I would guess their on par with market rate. Easy to confirm the policy & make it live. Show details ·  1

Negative reviews

Mike
Mike27 posts
  Real Life Insurance

DO NOT GET Real Life Insurance. Their insurance is under written by Hollard's Insurance, probably the worst service insurance company in history. In fact ASIC has already received complaints about their dodgy scam tactics in trying to get out of any claim. I went through their claim system at Hollard's recently and it was a nightmare. Their phone… Read more

auto attendant is demanding and you have to enter about 15 keystrokes to talk to someone. One lady sounded like she was on drugs and didn't give a rat's ---- about me. I think I must have interrupted her nail painting. After weeks of conversations the claim went nowhere. Hollard's are a scam. YOU HAVE BEEN WARNED!

Real Insurance
Real Insurance    

Hi Mike, Thank you for taking the time to share… Read more (+4 replies)

A C.
A C.VIC2 posts
  Verified Real Life Cover

DON’T USE THEM Service terrible rude and repetitive They have twice as many people chasing payments as service staff Was informed that I had to cancel in writing Which was a blatant lie my policy was cancelled over the phone 5 days after the initial request just to drag out the process to collect more money for premiums Other companies are a third of the price Show details

Real Insurance
Real Insurance    

Hi A C, Thank you for taking the time in sharing… Read more (+2 replies)

Shell
Shell
  Real Life Cover

Absolutely stay well clear of real Insurance ,I had a policy for many years it just kept going up and up ,god for bid you miss a payment to ,you will get seriously harrassed ,calls texts emails no stop .then try to charge you extra on top of a missed payment .very happy I ceased both policy I had and now with a company who I pay half of what I was to this one ,oh and they don’t harass people . Show details

Real Insurance
Real Insurance    

Hi Shell, Thank you for sharing your review with… Read more

Recent reviews

zoone
zooneVictoria4 posts
  Verified Real Life Cover

It was pleasure to chat with the customer service. I am diabetic and was not able to find anything. Then I see the add on facebook and enquire about. All went well with good offer and nice price. Definitely recommend to all. Show details ·  1

Mrs Jenni B
Mrs Jenni BVIC18 posts
  Real Life Insurance

I am not reviewing this product. the life insurance product I have is exceptional and I know I can trust good life insurance product. real insurance is fantastic and very reasonable premiums. Show reply

Life Insurance

Find out how Real Life Insurance compares to other Life Insurance

Know better, choose better.

Compare all
Sivoki
SivokiNSW
  Verified Real Life Cover

I applied online to get more information about life insurance and Kevin called me going through step by step on what real insurance covers, the benefits and before I knew it I'm not a real insurance customer. Kevin was very helpful, knowledgeable and I felt comfortable asking him questions as he was patient and never rushed me into applying. Thank… Read more ·  1

you Kevin and Real Insurance I'm happy with the service and making a choice that I never thought I would make.

Ana V.
Ana V.
  Fair Incentive Verified Real Life Cover

I’m very satisfied with the life insurance service I received. It gives me peace of mind knowing my loved ones won’t have to stress after I’m gone. It feels good to know they’ll be taken care of, and that brings me real comfort and security. Show details ·  1

Maryann S.
Maryann S.
  Verified Real Life Cover

Maggie was super helpful and professional, all the questions and policies were straight forward and easy to set up, she was also very understanding and caring, such a lovely lady, thankyou Maggie Show details ·  1

Jezz
JezzNSW
  Verified Real Life Cover

I did a quick online quote and a minute later I received a call. Answered all the questions and everything was done and approved. So easy to do it and I reckon my monthly fee to cover the maximum insurance is pretty reasonable. Show details ·  1

Margaret
MargaretQLD
  Verified Real Life Cover

The process was easy, phone operator was helpful and made the process comfortable. She worked out the best coverage for our budget. Hopefully never have to use it but knowing it is there if the time comes to keep loved ones financial is a peace of mind. Show details ·  1

Raquel
Raquel
  Verified Real Life Cover

Guy was absolutely amazing to deal with clear spoken English , made the call easy and straight forward highly recommend requesting to speak with him if your wanting any cover! THANK YOU GUY!! Show details ·  1

Porks
Porks3 posts
  Fair Incentive Verified Real Life Cover

First phone call asked good questions to life insurance medical etc 2nd phone call follow up of questions approval then signed up was excellent friendly service Show details ·  1

Lee B
Lee BACT
  Real Family Life Cover

The policy itself was all fine and the cover appropriate, especially due to my old job. However, when it came to renewal time, the quote was still a lot higher than anyone else out there (even after I'd changed my job) for the same pay out etc. So I decided to cancel which I thought would be a straight forward process. I called up to be told that… Read more

customer services can't cancel, you have to receive a call back from a 'cancellation specialist' which took another 3 days only to be on the phone as he tried to sell me a never ending amount of options. After all that, I said I still wanted to cancel and he told me he can't do that either! I have to write a letter!

Why make the process so convoluted? I would have potentially come back to Real in the future if their prices were competitive, but after that experience, I won't be returning.

Real Insurance
Real Insurance    

Hi Lee, Thank you for reaching out to share your… Read more

Vingil
Vingil2 posts
  Verified Real Life Cover

I had the best experience of customer service. She was professional, efficient, caring, and compassionate. There was great connection during conversation. She explained things very clearly. Show details ·  1

Life Insurance

Find out how Real Life Insurance compares to other Life Insurance

Know better, choose better.

Compare all
James M
James MQLD
  Verified Real Life Cover

Well prepared, answered questions easily, well spoken and could easily understand Rick. Better than having a non English speaking person on the other end of the phone, nice change. Rick was awesome. Show details ·  1

William Clarke
William ClarkeVIC2 posts
  Fair Incentive Verified Real Life Cover

I believe the gentleman who handled my initial enquiry was.named Ricky or Rick Wright. Cool name straight away... I hope I remember correctly...hah! It went well. Cheers Rick you were very helpful. Forgive me I got your name wrong. The intent and thanks are genuine. Thank you bro. The Mad Maori Melbournian. Kia ora William. ⭐⭐⭐⭐⭐ Show details ·  1

Danielle Joy
Danielle JoyQLD
  Verified Real Life Cover

My experience with the service petson was outstanding, he was very informitive, he could answer very question with clear words that i could understand and was always checking to make sure i knew exactly what I was joining and how it effects not only me but my family as well. Show details ·  1

Dan
Dan8 posts
  Verified Real Life Cover

My Mum died recently and had REAL Life Insurance. The team here have been helpful, prompt to respond and reassuring throughout the process. Claim has been paid out quickly. Thanks REAL Life Insurance. Show details ·  1

Rae Nicolaou
Rae NicolaouQLD2 posts
  Verified Real Life Cover

my review is that it is what I want now and looking at what I did have and not getting the help to fix it I found that they are good in explaining what I can have now that I can afford which is more than what I was paying for years. Show details ·  1

Suebee
Suebee4 posts
  Verified Real Life Cover

The experience was very thorough but I wasn’t expecting it to take almost 40mins, I was only making an enquiry and not aware, that would end up being signed up. Show details ·  1

Robbie is mad
Robbie is madVictoria5 posts
  Real Family Life Cover
Transparency
Customer Service
Value for Money

My partner is dying of MND and they are making it extremely hard to get her pre death payout, they have done everything possible to make her claim seem like she was being fraudulent. I.e the date that she was diagnosed which wasn't really the date, because her local GP had put down that it was possible that she had the disease but she was not… Read more

diagnosed until July 2025. It has really made her distressed more for the fact that she or i wont have enough for her funeral. They state that they make insurance easy, what a lot of bullocks.

Real Insurance
Real Insurance    

Hi Robbie, Thank you for sharing your review with… Read more (+5 replies)

Alys K.
Alys K.QLD
  Real Life Cover

I have been with Real Insurance for around 20 years. My experience has been you need to make sure that the money is available to them or you will get harassed with letters, emails, sms'd and phone calls even if the payment was made. You will be harassed until the payment has cleared on Real Insurances side. So look forward to 4 or 5 days of it. What a waste of time and admin costs! Show details

Real Insurance
Real Insurance    

Hi Alys, Thank you for sharing your review with… Read more

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.

Request a quote