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Family Life Cover Help secure the future for your family Income Protection Cover A plan to secure your income Bill Cover Cash to help cover your daily living costs 3
Peace of mind for you and your family, throughout your life
From insurance to help secure your income and extensive life insurance that can provide significant cash benefits for your loved ones in the event of your death, to simple cover to help take care of your bills or funeral costs, cover if you are unfortunate enough to suffer a serious illness or accident and even insurance to cover vet expenses for your four legged friends, theres a real option for you.
Silver Life Cover A plan for the future Accidental Death & Serious Injury Cover Financial support if you suffer a serious accident Serious Illness Cover Helping to protect your lifestyle Pet Insurance Because you really love your pet
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Hollard Financial Services Pty Ltd (HFS) ABN 53 128 692 884, AFSL 343079 of Level 38, 2 Park Street Sydney NSW 2000, trading as Real Insurance (Real), is responsible for the distribution and promotion of the insurance products in this brochure.
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This information, provided by Real, is general in nature and does not take into account your personal objectives, financial situation or needs. Accordingly, please read the relevant Product Disclosure Statement (PDS) available by calling 1300 36 7325 or visiting reallifecover.com.au in order to determine whether the product suits your personal needs before you purchase. Neither product issuer is responsible for the financial product advice provided by HFS to you. These life insurance products are issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street, Sydney NSW 2000. Included in the cost of a policy is an amount payable by Hannover to HFS of between twenty seven and ninety eight percent of premiums. Real Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473, AFSL 241436 of Level 38, 2 Park Street, Sydney NSW 2000. Included in the cost of a policy is an amount payable by Hollard to HFS of up to thirty six percent of premiums. In this brochure, we, our and us refers to Real Insurance.
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Optional protection
You have the option of adding a range of benefits to your Life Insurance, including Total & Permanent Disability Insurance, Accidental Death Insurance, Childrens Insurance and Serious Illness Insurance. Be sure to ask for more information when you call.
Affordable premiums
Premiums start from a low $1.46 per week for $100,000 benefit amount (standard rate for a female non-smoker aged between 18 and 34). To help manage the family budget you can choose to pay either monthly or fortnightly. For your individual quote call 1300 36 7325 or visit reallifecover.com.au
Check the PDS Full details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Family Life Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au
4 Premiums are generally tax deductible 4 Choose your benefit period from
6 months, 1 year, 2 years or 5 years
Affordable premiums
Premiums start from less than $1 per day and to make budgeting easier you can choose to pay either monthly or fortnightly at no extra cost. Plus premiums are generally tax deductible, making this cover even better value. For your individual quote call 1300 36 7325 or visit realincomecover.com.au
Check the PDS Full details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Income Protection Cover PDS available by calling 1300 36 7325 or visiting realincomecover.com.au
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Bill Cover
The benefits of Bill Cover
4 No medical or blood test 4 You can spend the cash as you wish 4 You can keep your cover to age 75 4 Provided you are earning a taxable
income, premiums are generally tax deductible
Affordable premiums
Premiums are designed to fit into your budget, starting from less than $4.20 per week for a person aged 18 to 40, and providing you are earning an income, premiums are generally tax deductible. Plus you can choose to pay fortnightly or monthly at no extra cost. For your individual quote call 1300 36 7325
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Affordable premiums
Premiums start at just $1.72 per week for a plan providing $5,000 Life Insurance benefit (or $15,000 Accidental Death benefit) for a male or female aged between 18 and 44. You can add your partner and all dependant children until they reach the age of 21 from just an additional $1.42 per week (premium is based on the age of the oldest life insured on the policy, and the level of cover selected). For your individual quote call 1300 36 7325 or visit reallifecover.com.au
Check the PDS Full details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Funeral Expenses Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au
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4 Single or family cover options 4 Cover for all your dependant children
Why is Silver Life Insurance so important?
Whether youre working or enjoying life in retirement, its important to plan to make sure your affairs are taken care of if you were no longer there. Most importantly, no-one wants to leave their family with the burden of outstanding bills or funeral costs. Even if you have other insurances or a nest egg to help see your family through life, it would be a shame for that to be diminished by any bills that you unavoidably leave behind. until they reach age 21
Affordable premiums
The great thing about Accidental Death & Serious Injury Cover is that your premium rate does not increase just because you get older. The cover is affordable too, with premiums starting at just $2.77 per week for a $50,000 benefit amount (based on a single plan for a man or woman aged 18 to 69). For your individual quote call 1300 36 7325 or visit reallifecover.com.au
4 Choose up to 5 beneficiaries
Check the PDS Full details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Accidental Death & Serious Injury Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au
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Affordable premiums
Cover starts from just $2.30 per week for $50,000 benefit amount for a female non-smoker aged between 18 and 34, or $2.53 per week for a male non-smoker in the same age group (based on standard rates). For your individual quote call 1300 36 7325 or visit reallifecover.com.au
4 You can spend the benefit as you wish 4 Pay fortnightly or monthly at no
extra cost
Pet Insurance
The benefits of Pet Insurance Optional Routine Care
You can also add a Routine Care benefit to your Pet Insurance. This cover pays a benefit of up to $145 per year to help cover items like micro-chipping, vaccinations and health checks, so you can help keep your pet in tip top shape.
4 Covers up to 80% of eligible vet bills 4 Claim up to $12,000 per year 4 Available for cats and dogs aged
from 8 weeks
4 Premiums from less than $1 a day 4 You can use any vet licenced to
practice in Australia
Affordable premiums
Premiums start from less than $1 a day. To help manage the family budget you can choose to pay either fortnightly or monthly at no extra cost. For your individual quote call 1300 36 7325 or visit realpetinsurance.com.au
Check the PDS Full details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Pet Insurance PDS available by calling 1300 36 7325 or visiting realpetinsurance.com.au
4 Ease and convenience is the hallmark of Reals service and Reals goal is to ensure
that all communications with you, the customer, are honest, easy to understand, straightforward and timely.
4 Reals customers are in control. Real offers a wide product range with a choice of
covers and optional benefits. So Real customers can decide what works best for them, and what fits in their budget.
We are focussed on providing innovative, easy to get, and easy to understand insurance solutions for Australian families.
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Call 1300 36 7325 or visit reallifecover.com.au Call 1300 36 7325 or visit reallifecover.com.au
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The Real Reward is a thank you for your loyalty. After the first 12 months of your policy well give you back 10% of the premiums you have paid.
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Provided your policy is in force, the Real Reward is paid to you by cheque within 30 days of your first Policy Anniversary, regardless of whether you make a claim. You are entitled to the Real Reward on each of the following Real Insurance policies that you take out now:
4 Family Life Cover 4 Income Protection Cover 4 Bill Cover 4 Funeral Expenses Cover 4 Silver Life Cover 4 Accidental Death & Serious Injury Cover 4 Serious Illness Cover 4 Pet Insurance
Real satisfaction 30 day money back guarantee
You have 30 days from the commencement date of your policy to make sure you are happy with every aspect of your policy. This is known as the cooling off period. During this time you may cancel your policy by writing to us and returning your policy documents; any premiums you have paid will be refunded in full, no questions asked and no obligationnow thats a real benefit
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