Life insurance
Serious or multiple health conditions?
It’s time to get real.
Real Life is specialist life insurance for people living with serious or multiple health conditions.
Real Life is specialist life insurance for people living with serious or multiple health conditions.
One in four adults in England are living with multiple health conditions*.
That’s why we created Real Life as we believe life insurance shouldn't be beyond anyone's reach.
Real Life is designed to provide people with serious or multiple health conditions life insurance at a fair price.
Everything you’d expect from life insurance
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
The minimum amount of benefit is £20,000 and the maximum is £3,000,000 subject to individual consideration.
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 through smartphone or tablet and can be accessed from anywhere in the world.
- Remote GP appointments
- Second medical opinion
- Registered dietitian consultations
- Lifestyle and nutrition consultations
