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More about Real Life Cover

Real Life Cover insurance explained by Tom Baigrie, LifeSearch Managing Director

A four minute video describing Real Life Cover insurance, the background and its substantial benefits. Click here to view the 6MB Real Life Cover windows media player video or read the transcript of Real Life Cover insurance video.

What you get if...?

  • What you get if you have to stop work because you become incapacitated?
    You get 1% of your current sum assured every month from your Living Fund. So if you had £150,000 worth of cover you'd get £1,500 a month. (If this payment would mean that your total income, excluding State Benefits, was more than half of what it was before you had to stop work, we would reduce what we pay you accordingly.)
  • What you get if you become incapacitated but you're not in paid work?
    You get 1% of your current sum assured every month up to a maximum monthly payment of £1,667. This money comes from your Living Fund. So if you had £150,000 worth of cover you'd get £1,500 a month.
  • What you get if you are diagnosed with cancer - excluding less advanced cases, or having had a heart attack - of specified severity, or a stroke - resulting in permanent symptoms?
    You get 12% of your current sum assured as a lump sum. This money comes from your Living Fund. With £150,000 worth of cover, you'd get a lump sum of £18,000. You can make one claim for each of them.
  • What you get if you need to give up work to provide full time care for your child or partner who has become incapacitated?
    You get 12% of the current sum assured as a lump sum. This money comes from your Living Fund. So if you had £150,000 worth of cover, you'd get £18,000.
  • What you get if you need help getting better?
    If we think you have a valid claim for Income Protection and treatments like physiotherapy or counselling might help you get back to work, your Living Fund can give you up to 3% of your sum assured to pay for them. With £150,000 worth of cover you could get up to £4,500 to pay for treatments.

Who provides Real Life Cover?

Real Life Cover is provided by Ageas Protect. Ageas Protect specialise in protection insurance - such as life insurance, critical illness cover and income protection.

How Real Life Cover compares to Life Insurance?

 

LifeSearch Real Life Cover image
Help Required?

If you require help, have questions or queries or if you would prefer to speak with an adviser call:

0800 316 3166

Free and friendly advice available without obligation.

UK call centre ready to help you with your Real Life Cover questions.

8.00 am – 8.00 pm Monday to Friday,
9.00 am – 6.00 pm Saturday.