Real Life Insurance Questions & Answers

Real Life Family Life Cover, has a Product Disclosure Statement dated 1 July 2023, in this document it has your questions answered its user friendly and here is the 1300 367 325 open Mon to Fri 8am to 8pm AEST and internet realinsurance.com.au

Hi Rickn2115, Our cover is designed to provide financial protection for your loved ones through a lump sum payment if you were to pass away. If you are accepted, you will be covered immediately for death due to any cause, you would not be covered for suicide in the first 13 months. In addition, there is a terminally ill advance payment included in the cover. If you were diagnosed with 12 months or less to live by a medical practitioner we will pay your claim in full and the money could be used for medical costs.

We would like to discuss our life insurance coverage with you further, can you please reply to my private message and I can arrange for one of our team members to be in touch.

Kind regards, Scott

Hi Ian, Thank you for reaching out. You can apply for Life Insurance between 18 and 64 years of age. Your policy is guaranteed to continue to renew as long as you pay your premiums on time. You can find more information on our website, external link  or can contact our team on 13 60 36, Monday to Friday, 8am to 7pm, AEST Alternatively, if you would like for one of our team members to contact you, please send me a private message with your contact details and I can arrange for the relevant team to be in touch. Kind regards, Alisa

Waiting for answer

Hi Irfan, Thank you for reaching out with your query. If you cancel your cover within the first 30 days of it starting and you haven’t made a claim during this time, we’ll give you a full refund of any premiums you have paid. You can find more information in our Product Disclosure Statement, external link  Alternatively, if you would like to discuss your query further with one of our team members, please send me a private message with your contact or policy details and I can arrange for the relevant team to be in touch. Kind regards, Alisa

Hi Alisa this is Irfan dolek my policy number [Content Removed] I need to learn my early premium,pls someone call me and explain My phone number [Number Removed] thanks

Hi Irfan, Thank you for your reply and providing your details. I have passed your query on to the relevant team to review and contact you to discuss further. Kind regards, Alisa

Hi Irfan, I understand that one of our team members have been in touch with you to discuss your queries further. Please don't hesitate to reach out if you require any assistance in the future. Kind regards, Alisa

Hi Joanne, Thank you for reaching out. You can pay your life and funeral cover either fortnightly, monthly, or annually. You may apply at any time to change the method of payment of premiums by calling 1300 367 325 (Monday to Friday between 8am and 8pm AEST). Alternatively, can you please reply to my private message with your policy details for one of our team members to reach out to assist with your query further. Kind regards, Scott

You should call the friendly team and ask them as I have no idea on that matter .

Hi Maria, Thank you for reaching out. To assist us in discussing your query specific to your policy, can you please send a private message with your policy details and I will arrange for the relevant team to be in touch with you. Kind regards, Alisa

Hi Tom, Thank you for reaching out to us with your query. I would be happy to arrange for a member of our team to contact you directly to discuss this further. If you would like to speak with our team, can you please send me a private message noting your contact details. Kind regards, Jessica

No thanks, I just wanted to know what % do you pay out. You have great reviews to buy the product. Life insurance is very fraudulent, very few companies pay out (Comm Bank), companies like yours are very happy to take peoples money, a different story when it comes to pay out time.

Hi Tom, Thank you for your response. I can confirm that each claim is assessed on a case by case basis in accordance with the policy terms and conditions. Further information can be located within our Product Disclosure Statement which is located on our website; external link  Kind regards, Jessica

You still answer my question, what % do you pay out, Some are 30%?

I agree Tom, a percentage of claims rejected would be good to know

Hi John, Thank you for your reply.

As mentioned, each claim is assessed on a case by case basis in accordance with the policy terms and conditions.

Kind regards, Scott

Hi Jan, Thank you for reaching out. You can apply for Real Life Insurance between the ages of 18-64. You can find more information on our website external link  to find if this product is suitable for you, or you can email us at info@reallifecover.com.au or call one of our Customer Service Specialists on 1300 377 325. Alternatively, if you would like for me to arrange one of our team members to be in touch with you, please send me a private message with the best contact number for you. Kind regards, Alisa

I'm happy and it's very good to know about, your family don't need be worries about money for funeral. God bless you, amen

Hi Angie, Thank you for reaching out to us with your query. I have sent you a private message to obtain your policy details and I will arrange for a member of our team to contact you directly to assist further. Kind regards, Jessica

Hi Jocelyn, Thank you for reaching out. You can find more information about our Life Insurance products on our website - external link  Alternatively, if you would like for one of our team members to contact you to discuss further, please send me a private message with your contact number and I will arrange for the relevant team to be in touch. Kind regards, Alisa

Hi Brandon, Thank you for reaching out to us. Whilst a majority of our reviews are submitted by customers who have recently purchased a policy, we have also received some reviews from customers who have had a claims experience. We love hearing all customer thoughts and take all feedback on board to assist with improving the services we provide. Kind regards, Alisa

Hi Greg, Thank you for providing us with your feedback. I am sorry to hear our ads are not to your taste and I will pass your feedback on to our Marketing Team. Kind regards, Alisa

Feefo and Readers Digest ? You have to be joking, surely !! Apparently companys “pay” into Feefo and in return they remove negative reviews ? Is this correct ?

Hi Greg, Thank you for your question. It is important for us to hear feedback from our customers throughout their journeys, with review platforms being a great way for customers to share their experience with us and the public. We do not remove any genuine reviews from these platforms as we take any and all feedback on board to assist with improving the services we provide. Kind regards, Alisa

Hi Karen, Thank you for reaching out. Your Family Life Cover policy is guaranteed renewable for life. This means, as long as you pay your premiums on time, your cover will not end unless an insurable event occurs. Our Family Life Cover is not a savings or investment plan, if you decide to cancel your cover after the first 30 days of your policy commencing, you won’t receive anything back. If you would like discuss this further, please send me a private message with your full name, along with your policy details and I can will for a team member to be in contact with you. Kind regards, Alisa

Hi Shane, Thank you for reaching out. At Real Insurance, we try to make our insurance as easy as possible to apply for, so we don't ask customers to take a medical or have any blood tests. The way that we do this is to ask you a series of health and lifestyle questions over the phone, so we can determine if you are eligible to be covered for certain types of insurance. If you would like for me to arrange for a team member to reach out and discuss this with you, please send me a private message with your full name and contact details. Kind regards, Alisa

Hi Patrick, Thank you for reaching out to us with your query. Our life insurance is available to Australian Residents aged between 18 and 64 years. We recommend you review the Insurance Council of Australia's website for helpful tips on how to select the best insurer. external link  Kind regards, Jessica

Thank you - I am 68 - No problems .

Hi Ann-Maree, Our team would need to speak with you directly to discuss policies as the policy would be tailored specifically for you and your needs. I can arrange for someone to call you if you would like to discuss further, if so, please reply to my private message with your best contact number and I can direct this to the relevant area for you. Kind regards, Alisa

Hi Tracey, Thank you for reaching out to us with your query. We try to make our insurance as easy as possible to apply for, so we don't ask customers to take a medical or have any blood tests. However, we still need to determine if you are eligible to be covered for certain types of insurance or to determine what premium you ought to be charged. The way that we do this is to ask you a series of health and lifestyle questions over the phone. If we are not able to help you with these covers, or you don't want to be asked these questions, we also have a great range of covers that are guaranteed acceptance. These do not require any health and lifestyle questions, and as long as you are within the residency and age requirements, we guarantee to cover you. Kind regards, Jessica

Hi AAM, Thank you for reaching out to us with this. I would appreciate the opportunity to look into this for you and have sent you a private message to obtain further information. Kind regards, Jessica