Wherever you are in life – financial security is at your fingertips...

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Family Life Cover 3 Help secure the future for your family

Income Protection Cover 4 A plan to secure your income

Bill Cover 5 Cash to help cover your daily living costs

Funeral Expenses Cover 6 Take care of the essentials

Silver Life Cover 7 A plan for the future

Accidental Death & Serious Injury Cover 8 Financial support if you suffer a serious accident

Serious Illness Cover 9 Helping to protect your lifestyle

Pet Insurance 10 Because you really love your pet

About Real Insurance 11

Issue date: 13 April 2011

Peace of mind for you and your family, throughout your life

From insurance to help secure your income and extensive life insurance that can provide significant cash benefits for your loved ones in the event of your death, to simple cover to help take care of your bills or funeral costs, cover if you are unfortunate enough to suffer a serious illness or accident and even insurance to cover vet expenses for your four legged friends, there’s a real option for you.

Hollard Financial Services Pty Ltd (HFS) ABN 53 128 692 884, AFSL 343079 of Level 38, 2 Park Street Sydney NSW 2000, trading as Real Insurance (Real), is responsible for the distribution and promotion of the insurance products in this brochure.

This information, provided by Real, is general in nature and does not take into account your personal objectives, financial situation or needs. Accordingly, please read the relevant Product Disclosure Statement (PDS) available by calling 1300 36 7325 or visiting reallifecover.com.au in order to determine whether the product suits your personal needs before you purchase. Neither product issuer is responsible for the financial product advice provided by HFS to you.

These life insurance products are issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street, Sydney NSW 2000. Included in the cost of a policy is an amount payable by Hannover to HFS of between twenty seven and ninety eight percent of premiums. Real Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473, AFSL 241436 of Level 38, 2 Park Street, Sydney NSW 2000. Included in the cost of a policy is an amount payable by Hollard to HFS of up to thirty six percent of premiums.

In this brochure, ‘we’, ‘our’ and ‘us’ refers to Real Insurance.

Contents

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The benefits of Family Life Cover 4 Designed for Australian residents

aged 18 to 64

4 No medical or blood test, and no forms to fill out when you apply

4 From $100,000 up to $1 million life insurance (depending on your age)

4 Benefit paid in the event of death by any cause from day 1*

4 100% benefit paid in the event of Terminal Illness

4 While assessing your claim we will advance $10,000 of your benefit to assist with funeral costs

4 Pay fortnightly or monthly at no extra cost

4 You can keep your policy for life* Except as a result of a self-inflicted injury in the first 13 months.

Guaranteed renewable for lifeOnce your policy is in place it’s guaranteed renewable for life. This means that regardless of changes to your health or lifestyle, your policy will stay in force for as long as you continue to pay your premiums.

Optional protection

You have the option of adding a range of benefits to your Life Insurance, including Total & Permanent Disability Insurance, Accidental Death Insurance, Children’s Insurance and Serious Illness Insurance. Be sure to ask for more information when you call.

Affordable premiumsPremiums start from a low $1.46 per week for $100,000 benefit amount (standard rate for a female non-smoker aged between 18 and 34). To help manage the family budget you can choose to pay either monthly or fortnightly. For your individual quote call 1300 36 7325 or visit reallifecover.com.au

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Family Life Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au

Family Life Cover

Why is Life Insurance so important? If someone depends on you financially, chances are you need life insurance. If you were no longer there to provide for your dependants, the financial implications for them could be considerable. Life Insurance can provide a lump sum benefit to your loved ones in the event of your death or to you in the event of Terminal Illness.

Your family could use the lump sum benefit to help them manage major household debts such as the mortgage, car repayments or education costs for your children.

About Family Life CoverFamily Life Cover offers a range of insurance combinations to suit your needs. There’s Life Insurance which is designed to provide financial protection for you and your family. It’s pure life insurance with no fancy frills, and it can be used to top up or start your insurance portfolio.

Cover is designed for Australian residents and their partners aged 18 to 64. If you are aged 18 to 44 you can apply for a benefit amount from $100,000 up to $1 million, those aged 45 to 54 can apply for up to $750,000, those aged 55 to 59 can apply for up to $500,000, and those aged over 60 can apply for up to $300,000.

Talk to a real person now!Call 1300 36 7325 or visit reallifecover.com.au

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Talk to a real person now!Call 1300 36 7325 or visit realincomecover.com.au

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Income Protection Cover PDS available by calling 1300 36 7325 or visiting realincomecover.com.au

The benefits of Income Protection Cover 4 Working Australians aged 18 to 59

can apply

4 Choose your income benefit up to $10,000* per month

4 Premiums are generally tax deductible

4 Choose your benefit period – from 6 months, 1 year, 2 years or 5 years

4 Choose your waiting period – 30 or 90 days

4 No medical or blood test, and no forms to fill out when you apply

4 You can keep your cover to age 65

4 Pay fortnightly or monthly at no extra cost

4 You can add Homemaker Insurance to your policy, which can pay a benefit of up to $1,000 per month for 6 months

* Subject to a maximum of 75% of your monthly Pre-Tax income.

Designed for working Australian residents aged 18 to 59Income Protection Insurance is designed for working Australian residents aged 18 to 59. You choose your benefit amount – up to 75% of your monthly Pre-Tax income to a maximum of $10,000 per month.

A medical is not required. There’s just a few health and lifestyle questions which we ask you over the phone.

Affordable premiumsPremiums start from less than $1 per day and to make budgeting easier you can choose to pay either monthly or fortnightly at no extra cost. Plus premiums are generally tax deductible, making this cover even better value. For your individual quote call 1300 36 7325 or visit realincomecover.com.au

Income Protection Cover

Why is Income Protection Cover so important? Whether you are a young single, or have a family to look after, your income is probably one of your most valuable assets. Think about it, if you were suddenly injured or became seriously ill and couldn’t earn an income, how would you keep the bills under control?

Income Protection Cover is designed to help secure your income so you can focus on getting back to work without additional financial strain. The policy pays a monthly benefit to you so that you can rest assured knowing expenses such as your mortgage and other living costs can be met.

About Income Protection CoverThe cover is flexible. You can tailor it to your needs and budget by selecting the benefit period and the waiting period that works for you.

You can apply for Income Protection Insurance on its own, or combine your Income Protection Insurance with a range of optional benefits, including Rehabilitation Benefits, Homemaker Insurance, Children’s Insurance and Final Expenses Insurance.

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The benefits of Bill Cover 4 Guaranteed acceptance for Australian

residents aged 18 to 59

4 Choose your income benefit from $1,000 up to $3,500 per month

4 Choose your benefit period – from 6 months, 1 year, or 2 year

4 No medical or blood test

4 You can spend the cash as you wish

4 You can keep your cover to age 75

4 Provided you are earning a taxable income, premiums are generally tax deductible

4 If you are hospitalised due to an accident for more than 48 hours during the waiting period, we’ll pay $100 for each day you are in hospital, for up to 10 days.

4 Option to add Children’s Insurance to your cover

Guaranteed acceptance for all Australian residents aged 18 to 59Provided you are an Australian resident aged 18 to 59 you won’t be turned down for this cover. Bill Cover can provide your chosen income benefit – up to $3,500, regardless of whether you are earning an income, or not.

Affordable premiumsPremiums are designed to fit into your budget, starting from less than $4.20 per week for a person aged 18 to 40, and providing you are earning an income, premiums are generally tax deductible. Plus you can choose to pay fortnightly or monthly at no extra cost. For your individual quote call 1300 36 7325

Why is Bill Cover so important?When you think about all of the bills that come into your home each month they definitely all add up. And unfortunately there isn’t much we can do to avoid them – there’s rent, electricity, rates, water, phone, internet and the list goes on.

How would you pay your bills if you were out of action? Unfortunately life doesn’t stop because you do.

About Bill CoverBill Cover can help take care of the bills for you by providing a monthly cash benefit, if you are temporarily disabled due to sickness or injury. The cover is flexible so you can choose the benefit period and cover amount that suits you and you can also add on optional Children’s Cover to your policy.

There are certain circumstances in which an Income benefit will not be paid. Importantly, a benefit will not be paid for a Pre-existing Medical Condition present within the 3 years prior to your application.

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Bill Cover PDS available by calling 1300 36 7325

Talk to a real person now!Call 1300 36 7325

Bill Cover

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The benefits of Funeral Expenses Cover 4 Guaranteed acceptance for Australian

residents aged 18 to 79

4 No medical or blood test required and no health questions to answer

4 Your chosen life insurance benefit is paid in the event of your death by any cause – from $3,000 up to $15,000 (after the first 12 months)

4 Triple benefit paid from day 1 in the event of Accidental Death – up to $45,000

4 Single or family cover options

4 Pay fortnightly or monthly at no extra cost

4 Premiums free of charge after age 90 and cover then continues for life

4 Easy over-the-phone application, no complicated forms to fill out

Accidental Serious Injury Insurance optionIf you are up to 69 years of age you also have the option to add Accidental Serious Injury Insurance to your Funeral Expenses Insurance.

Affordable premiumsPremiums start at just $1.72 per week for a plan providing $5,000 Life Insurance benefit (or $15,000 Accidental Death benefit) for a male or female aged between 18 and 44. You can add your partner and all dependant children until they reach the age of 21 from just an additional $1.42 per week (premium is based on the age of the oldest life insured on the policy, and the level of cover selected). For your individual quote call 1300 36 7325 or visit reallifecover.com.au

Why is Funeral Expenses Insurance so important?These days funerals can be expensive, and no-one wants to leave that burden to their family, do they? We don’t know what lies around the corner, whether it’s an accident or illness – and so securing cover early ensures the protection is there for your family when it’s needed.

About Funeral Expenses InsuranceFuneral Expenses Insurance has been designed to help you protect your family from the financial burden of your funeral and other unexpected costs, should the worst happen to you.

Accepted claims are paid without unnecessary delay so your family will have the financial support when they need it, and it can be used to pay for your funeral, or other expenses such as outstanding bills that may crop up.

You can select a cover option that suits your needs and budget, from $3,000 life insurance benefit through to $15,000 life insurance benefit, and provided you are an Australian resident aged 18 to 79 you can’t be turned down for this cover.

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Funeral Expenses Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au

Funeral Expenses Cover

Talk to a real person now!Call 1300 36 7325 or visit reallifecover.com.au

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The benefits of Silver Life Cover 4 Guaranteed acceptance for Australian

residents aged 50 to 79

4 Lifetime premium rate doesn’t increase just because you get older

4 No medical or blood test required and no health questions to answer

4 Your chosen life insurance benefit is paid in the event of your death by any cause – from $3,000 up to $15,000 (after the first 12 months)

4 Triple benefit paid from day 1 in the event of Accidental Death – up to $45,000

4 Single or family cover options

4 Cover for all your dependant children until they reach age 21

4 Pay fortnightly or monthly at no extra cost

4 Premiums waived when oldest Life Insured attains age 90 and cover continues for life

4 Easy over-the-phone application, no complicated forms to fill out

Accidental Serious Injury Insurance optionIf you are up to 69 years of age you also have the option to add Accidental Serious Injury Insurance to your Silver Life Insurance.

Fixed premiums to make budgeting easierThe great thing about Silver Life Insurance is that your premium rate does not increase just because you get older, and you will not be singled out for an increase regardless of changes to your health or lifestyle.

Cover can be affordable too, with premiums starting at $4.45 per week (plan providing $5,000 Life Insurance benefit or $15,000 Accidental Death benefit) for a male or female aged 50.

Why is Silver Life Insurance so important?Whether you’re working or enjoying life in retirement, it’s important to plan to make sure your affairs are taken care of if you were no longer there.

Most importantly, no-one wants to leave their family with the burden of outstanding bills or funeral costs. Even if you have other insurances or a nest egg to help see your family through life, it would be a shame for that to be diminished by any bills that you unavoidably leave behind.

About Silver Life Cover Silver Life Insurance is affordable life insurance designed especially for those aged 50 plus with a premium rate that stays the same to make budgeting easier.

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Silver Life Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au

Talk to a real person now!Call 1300 36 7325 or visit reallifecover.com.au

Silver Life Cover

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Accidental Death & Serious Injury Cover

The benefits of Accidental Death & Serious Injury Cover 4 Guaranteed acceptance for Australian

residents aged 18 to 69

4 Your premium rate doesn’t increase just because you get older

4 No medical or blood test, and no health questions to answer

4 Your chosen benefit is paid in the event of your death or covered serious injury as a result of an Accident – from $50,000 up to $500,000

4 Easy over-the-phone application, no complicated forms to fill out

4 Single or joint cover options

4 Pay fortnightly or monthly at no extra cost

4 You can renew your policy all the way to age 75

4 Choose up to 5 beneficiaries

A range of covered injuries Accidental Death & Serious Injury Cover pays your chosen benefit in the event of your Accidental Death, or if you experience one of the following injuries as a direct result of an Accident and within 12 months of the Accident: Quadriplegia; Paraplegia; Hemiplegia; Blindness; Deafness; or Total and Permanent Loss of Use of Two Limbs.

Affordable premiumsThe great thing about Accidental Death & Serious Injury Cover is that your premium rate does not increase just because you get older. The cover is affordable too, with premiums starting at just $2.77 per week for a $50,000 benefit amount (based on a single plan for a man or woman aged 18 to 69). For your individual quote call 1300 36 7325 or visit reallifecover.com.au

Why is Accidental Death & Serious Injury Cover so important?It’s something we don’t like to think about, but unfortunately you just have to read the newspapers every day to see that any one of us can be struck by an accident, and the fact is on average 10 males and 7 females die* each day in Australia as the result of an accident.

Of course, when such tragedy strikes, expenses don’t go away, in fact, serious injuries can mean costly and lengthy convalescence and rehabilitation. And, if you were to pass away suddenly your family may need funds to help with paying off loans, or simply to meet day to day living expenses. That’s why, whether you’re working or enjoying life in retirement, it’s important to plan to make sure you and your family are financially protected.

About Accidental Death & Serious Injury Cover Accidental Death & Serious Injury Cover is simple, no-nonsense accident insurance, designed to give an extra measure of financial protection for you and your family, against the ever present risk of accidents.* Australian Bureau of Statistics, Causes of Death Cat. No. 3303.0.2006

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Accidental Death & Serious Injury Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au

Talk to a real person now!Call 1300 36 7325 or visit reallifecover.com.au

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Why is Serious Illness Insurance so important?Thanks to advances in medical technology, these days most of us recover from serious illnesses. However the impact on your finances can be devastating, particularly if your income is affected and you are landed with extra medical costs as well.

If you were to suffer a serious illness, the last thing you would want is to have money worries as well.

About Serious Illness InsuranceSerious Illness Insurance provides a lump sum that you can use to cover everyday expenses, or help cover rehabilitation or medical costs, if you suffer one of the defined serious illnesses covered. Please note a 3 month waiting period applies after your policy starts before you are covered for the defined serious illnesses.

Of course, Serious Illness Insurance isn’t just for the main breadwinner. If a partner who takes care of the home and children is out of action, it can mean significant additional expenses to keep the household going, on top of rehabilitation and medical expenses.

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Serious Illness Cover PDS available by calling 1300 36 7325 or visiting reallifecover.com.au

The benefits of Serious Illness Cover 4 Designed for Australian residents

aged 18 to 59

4 Depending on your age, you can apply for between $50,000 and $750,000 Serious Illness Cover

4 Your chosen benefit is paid to you if you suffer a defined serious illness – Malignant Cancer, Stroke, Heart Attack or Coronary Artery Bypass Surgery

4 Your cover level will not decrease, regardless of changes to your health or pastimes

4 You can spend the benefit as you wish

4 Pay fortnightly or monthly at no extra cost

4 Guaranteed renewable to age 65

4 Easy over-the-phone application, no complicated forms to fill out

4 Single or joint cover options

Optional CoversYou can also have the option of adding Accidental Serious Injury Insurance and Children’s Insurance to your cover for greater peace of mind.

Affordable premiumsCover starts from just $2.30 per week for $50,000 benefit amount for a female non-smoker aged between 18 and 34, or $2.53 per week for a male non-smoker in the same age group (based on standard rates). For your individual quote call 1300 36 7325 or visit reallifecover.com.au

Talk to a real person now!Call 1300 36 7325 or visit reallifecover.com.au

Serious Illness Cover

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The benefits of Pet Insurance 4 Cover options for accidents

and illness

4 Covers up to 80% of eligible vet bills

4 Claim up to $12,000 per year

4 Available for cats and dogs aged from 8 weeks

4 Once insured, your pet can be covered for life

4 Premiums from less than $1 a day

4 You can use any vet licenced to practice in Australia

4 No excess to pay if your pet needs treatment

4 Pay fortnightly or monthly at no extra cost

4 Additional benefits at no extra cost – including a benefit for Emergency Boarding, Essential Euthanasia and Paralysis Tick treatment.

Optional Routine CareYou can also add a Routine Care benefit to your Pet Insurance. This cover pays a benefit of up to $145 per year to help cover items like micro-chipping, vaccinations and health checks, so you can help keep your pet in tip top shape.

The sooner the better!So that we can offer insurance at an affordable price, we don’t cover any conditions your pet had before you start your policy. So it’s important to get your cover early whilst your pet is healthy – so cover is there when it’s needed.

Affordable premiumsPremiums start from less than $1 a day. To help manage the family budget you can choose to pay either fortnightly or monthly at no extra cost. For your individual quote call 1300 36 7325 or visit realpetinsurance.com.au

Why is Pet Insurance so important?While we all love and care for our pets, the reality is that at some time in their life they are going to need veterinary treatment. And as most pet owners know, vet bills can be expensive – in some cases costing thousands of dollars. The last thing you want to have to worry about if your four legged friend needs treatment is where you will find the money to pay for it. After all, your pet’s part of the family too!

Pet Insurance provides you with a measure of financial support so you know if your cat or dog needs treatment, you won’t struggle to pay the bill. Just like we take out health insurance to secure our health and wellbeing, you can now extend a level of care to your pet.

About Pet InsuranceWith Real Pet Insurance you can tailor your cover to suit your needs and budget. You can choose to cover your cat or dog for accidents only, or accident and illness for greater peace of mind.

Whatever cover you choose, you can rest easy knowing that you can afford to give your pet the care they deserve if they need veterinary treatment.

Check the PDSFull details of all these benefits and options, including an explanation of the cover and the exclusions applying, can be found in the Pet Insurance PDS available by calling 1300 36 7325 or visiting realpetinsurance.com.au

Pet Insurance

Talk to a real person now!Call 1300 36 7325 or visit realpetinsurance.com.au

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Real Insurance is a trading name of Hollard Financial Services (HFS), which is part of the international Hollard Group of companies.

The Hollard Insurance Group is South Africa’s largest privately owned insurance and investment business. With assets of AU$2.4 billion, Hollard provides a wide range of insurance products and services to more than 6.5 million insurance customers in Australia, throughout Africa, United States, United Kingdom and South East Asia.

Hollard has had a presence in the Australian market since 1999, and currently has more than 300,000 Australian insurance customers.

We are focussed on providing innovative, easy to get, and easy to understand

insurance solutions for Australian families. Talk to a real person now!Call 1300 36 7325 or visit reallifecover.com.au

Talk to a real person now!Call 1300 36 7325 or visit reallifecover.com.au

About Real Insurance

The Real promise4 Ease and convenience is the hallmark of Real’s service and Real’s goal is to ensure

that all communications with you, the customer, are honest, easy to understand, straightforward and timely.

4 To give ordinary Australians the opportunity to access a range of quality insurance products to help protect the financial security of their families, and the wealth and assets they have worked hard to create.

4 Real’s customers are in control. Real offers a wide product range with a choice of covers and optional benefits. So Real customers can decide what works best for them, and what fits in their budget.

Easy over the phone applicationSimply call 1300 36 7325 between 8:00am and 8:00pm (EST) and we’ll take your application, and in most cases you can be covered right away.

Whatever policy you apply for, we won’t ask you to take a medical or have a blood test!

Cover for your family members tooWith most of our products you can add your partner, and for Funeral Expenses Insurance and Silver Life Insurance you can add all your dependant children until they reach age 21.

Flexible payment optionsYou can choose whether you want to pay by direct debit from your chosen bank, building society or credit union account, or credit card – and to help you manage your family budget you can choose to pay either monthly or fortnightly.

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Real Reward™

The Real Reward™ is a “thank you” for your loyalty. After the first 12 months of your policy we’ll give you back 10% of the premiums you have paid.

Provided your policy is in force, the Real Reward™ is paid to you by cheque within 30 days of your first Policy Anniversary, regardless of whether you make a claim.

You are entitled to the Real Reward™ on each of the following Real Insurance policies that you take out now:

4 Family Life Cover

4 Income Protection Cover

4 Bill Cover

4 Funeral Expenses Cover

4 Silver Life Cover

4 Accidental Death & Serious Injury Cover

4 Serious Illness Cover

4 Pet Insurance

Real satisfaction – 30 day money back guaranteeYou have 30 days from the commencement date of your policy to make sure you are happy with every aspect of your policy. This is known as the “cooling off” period.

During this time you may cancel your policy by writing to us and returning your policy documents; any premiums you have paid will be refunded in full, no questions asked and no obligation…now that’s a real benefit

For more information about Real Insurance

Call 1300 36 7325Monday to Friday 8:00am – 8:00pm (EST)

or visit reallifecover.com.au

More special benefits

30DAYMONEY BACK

GU

ARANTEE

PLUS Receive the Real Reward™