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Life cover

Serious or multiple health conditions?

It’s time to get real.

Real Life is specialist life cover for people living with serious or multiple health conditions.

It’s time to get <span class="border-underline border-underline--yellow">real.</span>

Real Life is specialist life cover for people living with serious or multiple health conditions.

1 in 4 adults in England are living with multiple health conditions and therefore find it difficult, if not impossible, to find life cover at a fair price*.

That’s why we created Real Life. 

*The Health Foundation



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
Discover more

Well worth a read.

Product Summary
Real Life

Product Summary

HealthWise Leaflet
Real Life

HealthWise Leaflet