Services Awards - for the fourth time in five years!Protecting you and your family against the things real life can throw at us
Get your free no obligation quote in minutesWelcome to Real Life Cover
View a four minute video describing Real Life Cover insurance (6MB windows media player file) or read the transcript.
None of us would want our family to be left struggling with mortgage payments and household bills if we were to die.
That's why so many of us take out a life insurance policy.
But the fact is, before the age of 65, we're much more likely to be incapacitated and off work for six months than we are to die - 26 times more likely*, and a life insurance policy won't pay anything then.
An income protection plan or insurance against suffering a serious illness would help. But few people take these policies out, because generally speaking they don't know about them, or they may be worried they're too complicated to understand or, that the insurance company will find a reason not to pay. What's more, for many people the cost of arranging these insurances is just too great.
Which is where Real Life Cover comes in. Real Life Cover is different.
Real Life Cover is designed to cover you for ALL the things that are most likely to stop you earning a living or taking care of your family.
The plan is designed to balance a realistic amount of cover with an affordable amount to be paid each month for that cover.
It provides life insurance, income protection and limited cover against the most common serious illnesses - heart attack, stroke and cancer (which together account for 80% of all critical illness claims**) - all in one plan. And unemployment cover can be added too.
This means Real Life Cover will cost less than it would if life insurance with comprehensive critical illness cover and income protection were purchased.
With Real Life Cover, you'll know exactly what you're covered for and what you're not and it is simple and very easy to arrange, with only a few choices to make.
* Source: IAD Information Centre (Department of Work & Pensions) 5% sample, 2005.
** Source: SCOR, Mat 2008.