Real Life is designed to provide people with serious or multiple health conditions life cover at a fair price.
Everything you’d expect from life cover
It pays out if the policyholder dies or if they are diagnosed with a terminal illness where life expectancy is less than 12 months with in the term of the policy.
Available to UK residents
Real Life is available to customers resident in the UK for the last three years, aged between 18 to 80 inclusive.
Cover amounts to accommodate everyone’s needs
With Real Life you can choose a cover amount from between a minimum of £20,000 up to a maximum of £3,000,000.
Two types of cover
You can choose between level or decreasing cover. With level cover, the benefit amount will remain the same through the term of the policy. With decreasing cover, the benefit amount will reduce each month in the same way as the outstanding amount on a repayment mortgage with an interest rate of 8% per year.
Choose how long the cover lasts
The cover can last for any number of years between 5 and 50. However, the policy must end before you reach your 90th birthday.
Increase or decrease cover at any time
Life has a habit of changing. So, if you need to increase or reduce your cover, you can request it at any time. Any change will impact the monthly premium.
Accident Death Benefit provided whilst we consider the application
If you are under 55 years of age and die due to an accident whilst we are considering your application, we will pay the sum assured requested on the application to a maximum of £250,000. This cover stops once your policy starts or we postpone, reject or decline the application.
Plus all Real Life
members also get access to:
The free members app that provides quick and convenient medical advice and treatments via their smartphone or tablet and can be accessed from anywhere in the world.
- GP on demand and prescription service
- Second medical opinion
- Lifestyle coaching
- Diet & nutritional advice