Life cover

Serious or multiple health conditions?

It’s time to get real.

It’s time to get <span class="border-underline border-underline--yellow">real.</span>

1 in 4 adults in England are living with multiple health conditions and therefore find it difficult, if not impossible, to find life cover at a fair price*.

That’s why we created Real Life.


*The Health Foundation

Cover summary and underwriting approach
Real Life is designed to provide clients with serious or multiple health conditions life cover at a fair price.
Everything you’d expect from life cover

It pays out if the policyholder dies or if they are diagnosed with a terminal illness where life expectancy is less than 12 months within the term of the policy.

Available to UK residents

Real Life is available to customers resident in the UK for the last three years, aged between 18 to 80 inclusive.

Two options to quote

1. A partially underwritten quote

For clients with a history of Diabetes, Heart Attack or Angina, Obesity or Stroke.

2. A quick quote

Input your clients' basic details to receive an instant quote, then contact our underwriters who will provide an indicative loading over the phone.

Referrals on more complex cases

For more complex conditions we’re geared up to underwrite on a case by case basis. It’s the best way to go giving us the best chance of providing them with affordable cover, quickly and efficiently.

Cover amounts to accommodate everyone’s needs

The minimum amount of benefit is £20,000 and the maximum is £3,000,000 subject to individual consideration.

Two types of cover

Clients can choose between level or decreasing cover. With level cover, the benefit amount will remain the same through the term of the policy. With decreasing cover, the benefit amount will reduce each month in the same way as the outstanding amount on a repayment mortgage with an interest rate of 8% per year.

Choose how long the cover lasts

The cover can last for any number of years between 5 and 50. However, the policy must end before your clients reach their 90th birthday.

Increase or decrease cover at any time

Life has a habit of changing. So, if your client needs to increase or reduce their cover, they can request it at any time. Any change will impact the monthly premium.

Accident Death Benefit provided whilst we consider the application

If your client is under 55 years of age and dies due to an accident whilst we are considering their application, we will pay the sum assured requested on the application to a maximum of £250,000. This cover stops once your client’s policy starts or we postpone, reject or decline the application.

For the following conditions, we may be able to provide an instant online quote:
Diabetes (Type 1 and 2)

  • Date of last diabetic review?
  • Date of diagnosis?
  • Most recent HbA1c reading?
  • Diabetic disease of the nerves (for example numbness in the feet)?
  • Diabetic kidney problems (examples include extra protein in the urine or reduced renal function)?
  • Diabetic eye disease? Any treatment required as a result of diabetic eye disease?
  • Any gangrene, perforating ulcers or amputation due to your diabetes?
  • Any other medical conditions?

Heart Attack or Angina

  • What condition have you suffered from?
  • Date of diagnosis?
  • When was your most recent episode?
  • Is your condition considered stable?
  • Are you waiting for an operation or any further investigations?
  • Have you suffered from more than one episode?
  • Are your blood pressure and cholesterol levels well controlled, with or without the use of medication?
  • Have you had any related surgery?
  • What type of surgery have you had?
  • Have you suffered from any heart related symptoms since your treatment?
  • Are you aware of any complications?


  • Current height and weight?
  • Any co-existing health issues?
  • We are unable to offer terms if your client has a BMI over 55.


  • What condition have you suffered from?
  • Date of diagnosis?
  • How old were you when your condition was diagnosed??
  • How many separate episodes have you suffered?
  • When was your most recent episode?
  • How severe are your symptoms?
  • Have you fully recovered with no ongoing complications?
  • Are you aware of any complications?

For the following conditions, our underwriters will require the type of information below to return a quote:
Alcohol Abuse/Dependency

  • Is it ongoing?
  • Current liver function test results?
  • Is client working full-time?
  • Any complications or co-existing conditions (e.g. heart/mental health problems)?

Atrial Fibrillation/Arrhythmias

  • Any symptoms currently?
  • Treatment past and present?
  • Any underlying problems?
  • Any complications (e.g. blood clots in the lungs, strokes)?

Cancer (including Hodgkin’s Disease, Non-Hodgkin’s Lymphoma and the Leukaemias)

  • What type?
  • Staging/grading?
  • Treatment and the date it was completed?
  • Any spread from the original site?


  • What type (e.g. dilated or congestive, restrictive, hypertrophic)
  • Any symptoms currently?
  • Treatment past and present?
  • Any complications (e.g. heart failure)?

HIV Positive

  • Date found to be positive?
  • Current CD4 count?
  • Current viral load?
  • Treatment (e.g. HAART)?
  • Details of any infections including dates.
  • NB: We are unable to offer terms if your client has AIDS.

Mental Illness

  • What type (e.g. anxiety, depression, bipolar disorder)?
  • Treatment past and present (including in-patient treatment)?
  • How many suicide attempts, if any, and dates?
  • NB: There needs to have been no suicide attempts within the last year and no multiple suicide attempts within the last 5 years.

    For recurrent bipolar disorder and schizophrenia, there should have been no episodes within the last 2 years and the client should be working full-time.

Multiple Sclerosis

  • What type (e.g. relapsing remitting, secondary progressive, primary progressive, progressive relapsing)?
  • Date of diagnosis?
  • Date of last relapse?
  • How many relapses per year?
  • Current symptoms, if any?
  • Severity of symptoms (e.g. are any mobility aids required for walking)?
  • Any complications (e.g. bowel/bladder problems, depression)?

Our automatic medical limits
If your client chooses a sum assured above the limits in the table for their age, we will require further medical evidence to support their application.

Plus all Real Life
members also get access to:

The free members app that provides quick and convenient medical advice and treatments through smartphone or tablet and can be accessed from anywhere in the world.

  • Remote GP appointments
  • Second medical opinion
  • Registered dietitian consultations
  • Lifestyle and nutrition consultations
Discover more

Well worth a read.

Product Guide
Real Life

Product Guide

Underwriting Guide
Real Life

Underwriting Guide

Meet the team

Underwriting with a personal touch

If you have an underwriting query, our experienced team of over 20 underwriters can help.

Alex Yates
Andy James
Sarah Lloyd
Nick Bowker
Call: 0300 123 3203