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.

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

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.

*The Health Foundation



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.

Promo Image Healthwise (1)

Well worth a read.

Product Summary
Real Life

Product Summary

HealthWise Leaflet
Real Life

HealthWise Leaflet