Income Replacement Insurance

Helping to protect your cash flow

We depend on our well being to be able to earn a living or carry out our daily household duties. But we don't know what lies around the corner, so it's important to put a plan in place to secure a financial buffer that can help protect our income and lifestyle.

Our range of income replacement products are designed for men and women in paid and non-paid work, and are designed to provide a cash safety net if you become sick or injured and cannot work or carry out your normal daily activities.

 Real Life Insurance

Income Protection Cover

Income Protection

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An easy and affordable way to secure your income in case you are unable to work due to sickness or injury. No medical or blood test to apply.

From less than $1 per day.
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Bill Cover

Bill Cover

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A monthly cash benefit to help keep the bills under control if you are temporarily disabled due to sickness or injury. No medical or blood test to apply.

Guaranteed acceptance for Australian residents aged 18 - 59
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The Product Disclosure Statement (PDS) and Financial Services Guide (FSG) are designed to help you decide if a product is right for you and to help you make an informed decision about whether to use the services we provide in relation to Real Life Insurance products.

Real Life Insurance products are issued by Hannover Life Re of Australasia Ltd ABN 37 062 395 484. It is distributed and promoted by Hollard Financial Services Pty Ltd (HFS) ABN 53 128 692 884, AFSL 343079 trading as Real Life Insurance, of Level 38, 2 Park St, Sydney NSW 2000. Advice on this website is general only and does not consider your individual objectives or financial situation. Terms and Conditions apply, please review the relevant PDS & FSG  to ensure these products are right for you.