Real Funeral Insurance Review

Receive up to $15,000 in funeral cover with Real Guaranteed Funeral Insurance Flexi Plus

The last thing anyone wants is for their loved ones to face financial stress when they are coping with their loss. Many are shocked to learn the sum of all of the immediate expenses that can arise following a loved one's death. Funeral expenses, unpaid bills, financial planning and medical costs can add up quickly so it is important to have cover in place to avoid these being passed on to your loved ones. Real Guaranteed Funeral Insurance Flexi Plus can offer support at this time with a lump sum payment of up to $15,000 (or up to $45,000 for Accidental Death). Discover more of the key features of this important cover.

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	Product details	Maximum cover	Maximum Entry Age	Cooling-off (days)
Real Guaranteed Funeral Insurance Flexi Plus	Receive up to $15,000 in funeral cover. Premiums reduce by 5% every 5 years you hold your Policy.	$15,000	79	30	Get quoteMore info

What are the benefits of Real Guaranteed Funeral Insurance Flexi Plus?

Real Insurance has created their Funeral Insurance to be manageable and easy to apply for, so that you can be covered and protect your family from having to deal with outstanding financial obligations. Real Insurance is backed by the third largest reinsurer in the world, so you can rest assured that the company has experience, trust and knowledge behind them when they create their insurance products. The result is Real Guaranteed Funeral Insurance Flexi Plus, which offers:

• The Real Payback Guarantee. When your family makes a funeral claim, the benefit they receive will always be the larger amount between your chosen cover amount or the total premiums you've paid. Or once you've turned 85, you can cancel your cover to receive an Early Cash Payout of 150% of your funeral insurance benefit.
• Early cash payout. Once you turn 85 you can receive an early cash payout if you cancel your cover. This is for 150% of your funeral benefit.

• Premium reduction every 5 years. Your premiums will reduce by 5% for every 5 years you hold your policy.
• Premium guarantee. Your premiums will never increase, unless you choose to change your cover.
• Your choice of cover amount. You can choose a benefit amount from $3,000 up to $15,000.
• 10% refund avaialable. 10% of premiums paid are refunded once the first 12 months have been paid for.
• Triple death benefit payout for accidents. Your benefit triples in the event of Accidental Death which means you will receive a lump sum payment equal to three times your Benefit Amount, up to $45,000.
• Simple application with 30 day money back guarantee. If you are an Australian resident aged between 18 and 79 you can apply for Guaranteed Funeral Insurance Flexi Plus from Real with guaranteed acceptance, so you are not required to take any medical test or blood tests. Plus, if you do find for any reason that you’ve changed your mind, after you’ve applied you have a 30 day cooling off period which allows you to cancel your policy and receive a refund on all premiums you’ve already paid.
• Single and family cover. While you are taking out funeral insurance for yourself, don’t forget about the rest of your family – Real Insurance hasn’t. You can easily apply for a Single Plan, but you can just as easily add your partner and your dependent children to the policy (your child is covered until they reach the age of 21).
• Choose your premium frequency. You can choose to pay your premiums fortnightly or monthly and there is no extra charge added to your policy for your choice.
• Accidental Serious Injury Insurance at no extra cost. With Real Guaranteed Funeral Insurance Flexi Plus, you are automatically covered for a range of serious accidental injuries at no additional cost. This will provide you a benefit payout to help you manage expenses and ongoing financial obligations if you suffer one of the serious injuries outlined in the PDS.

While there’s nothing you can do to make your death and your funeral a less emotionally painful time, you can at least put plans in place to ensure your family are not burdened financially by your final farewell. With Real Funeral Insurance, you can help ensure that your loved ones are able to say goodbye the way they want to without having to worry about how much it’s all going to cost.

What won’t Real Funeral Insurance cover?

Under the Real Guaranteed Funeral Insurance Flexi Plus policy

Your claim will not be paid if it is made during the first 12 months of the policy for any cause of death other than accidental death. In addition, no Accidental Serious Injury Insurance Benefit will be paid if you suffer an accidental serious injury as a result of:

• An intentional self-inflicted bodily injury
• Engaging in illegal activity
• Suicide or attempted suicide
• The consumption of drugs (unless taken as prescribed by a medical practitioner)
• The consumption of alcohol, including driving whilst over the legal blood-alcohol limit
• Engaging in any professional sport or motor sports
• War
• Taking part in a riot or civil commotion
• Travelling on an aircraft (except as a passenger on a properly licensed aircraft)

Some conditions to be aware of

Under the Real Guaranteed Funeral Insurance Flexi Plus policy

• Cover in the first 12 months. Cover is only for accidental deaths.
• Cancellations. If you cancel your policy before the age of 85, there is no benefit payable.
• Changing cover. Changing your cover (e.g. increasing the sum insured) will affect your premiums.
• Early Cash Payout. If you choose this option you will no longer be eligible to claim. The payout may also be less than the total premiums you have paid for so far.

For a full list of conditions, make sure you review the PDS (Product Disclosure Statement).

Who is eligible for Real Funeral Insurance?

Under the Real Guaranteed Funeral Insurance Flexi Plus policy

You’ll need to be an Australian resident aged between 18 and 79 in order to be eligible for Real Guaranteed Funeral Insurance Flexi Plus. If you satisfy these eligibility criteria, Real Insurance guarantees that it will accept your application for cover.