$100 Eftpos Card When You Take Real Family Life Cover @ Real Insurance (from $1.46/Wk) Min 40 Days

440

$100 Eftpos Card When You Take Real Family Life Cover @ Real Insurance (from $1.46/Wk) Min 40 Days

easternculture on 25/03/2015 - 14:01 realinsurance.com.au (735 clicks)
Last edited 07/04/2015 - 15:11 by 1 other user

Just got the email. Basically you can a $100 Gift card if you hold Family Life Cover for 40 days after first premium is paid so make sure you ask them to deduct it immediately

Make sure you ask for Real Family Life Cover with $100k Cover

Basically sign up and cancel after 40 days

Mine was $4.22 a fortnight and i asked for the premium to be deducted right away. SO for ~ $13, you get a $100 eftpos gift card which is a good deal IMHO

There is also a 30 day cooling off period.

You do have to call them but takes 10 min for it all to be set up. Dont bother leaving them a message via the website as it might take some time.

In summary

Steps:

Call 1300 669 752
Ask for Real Family Life Cover
Request the $100k Cover
Request Premium to be deducted immediately
Set reminder for 40 days from confirmation of date of premium deduction
Cancel after 40 days
Wait for your $100 eftpos card via Mail

Enjoy

Real is family. The most important people in your life.

As someone who has previously looked at Life Insurance through Real, you understand the value of cover and the protection it can offer.

At Real Insurance, we pledge to be there for your family when they need it most, with our award winning insurance that starts from as little as $1.46* per week. Plus as a bonus, if you take out cover, you’ll receive a BONUS $100 Gift Card^.

To put your Family Life Cover in place and secure your BONUS $100 Gift Card, simply request a quote online, or call us on 1300 669 752 .

Terms and Conditions:

*Premium based on a Single Plan providing a $100,000 benefit for a female non-smoker aged 34. This is general information only. Please consider the Product Disclosure Statement to ensure the product suits your needs. This information is provided by Real Insurance, a trading name of Hollard Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079, of 58 Norwest Blvd, Bella Vista NSW 2153. Family Life Cover is issued by Hannover Life Re of Australasia Ltd
ABN 37 062 395 484.

^Offer available for a limited time. Policy must be purchased during the promotional period and held for 40 days following first premium payment. Limit of one $100 Gift Card per Policy. Offer is non-transferable. This offer cannot be combined with any other offers. Allow 6 weeks from confirmation of eligibility for delivery of Gift Card. Offer not redeemable for cash. The name and address of the first insured will be supplied to Edge Loyalty Systems Pty Ltd (ELS) to send one prepaid EFTPOS Card to the address on the Policy.

Health & Beauty Insurance Life Insurance

2 Apr 2015

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closed Comments

virtualds on 25/03/2015 - 14:08

-7

Basically, you end up paying $109.72 for 1 year and got $100 back as giftcard
- easternculture on 25/03/2015 - 14:08
  
  +3
  
  cancel after 40 days so its $13 for a $100 card for me for 10 min work. Why not
  
  I did this with the coles life insurance offer and got 20000 Flybuy points equal to $100 and it cost me $10
  
  Make sure you put in a reminder though at 40 days
  - bashar20 on 25/03/2015 - 14:44
    
    after how many days you can cancel the Coles one and still get the points?
  - [Deactivated] on 25/03/2015 - 14:45
    
    -1
    
    where do you get 13 dollar from ?
    - easternculture on 25/03/2015 - 14:50
      
      Its in the OP
      
      Mine was $4.22 a fortnight and i asked for the premium to be deducted right away. SO for ~ $13, you get a $100 eftpos gift card which is a good deal IMHO
      
      But depending on your answers and age its from $1.46 / week
    - [Deactivated] on 25/03/2015 - 15:08
      
      @easternculture:
      
      I still do not get where do you get 13 dollar from
      
      is three fortnights ?
    - glam77 on 25/03/2015 - 15:29
      
      @nick286:
      
      40 days?
    - Nachotroncoso on 25/03/2015 - 16:39
      
      @nick286:
      Because his weekly fortnight charge is $4.22. That times 3 is $12.66, and I would imagine he wanted to make sure it would be 40 days which is a bit over 5 weeks (right between 2 and three fortnights)
    - dealman on 26/03/2015 - 10:13
      
      @easternculture:
      
      Remember to cancel the insurance though because it's basically a horrible company to deal with if you have a claim to make, one of the reasons they have to offer deals like these.
      
      They were also the chosen partner for insurance in Amway and other such companies,
      
      In general horrible company but a good deal if you are sure you;ll cancel in 40 Days.
WaywardOne on 25/03/2015 - 14:08

"Family Life Cover"
So singles are excluded? Darn
- easternculture on 25/03/2015 - 14:09
  
  +1
  
  nope. I took it up as single. They confirmed ill be getting a gift card. They dont ask for family details
  - WaywardOne on 25/03/2015 - 14:11
    
    Ah cool, and it can be cancelled easily enough?
    - easternculture on 25/03/2015 - 14:12
      
      +2
      
      yes, they just ask you why your cancelling.
      
      I usually say because my work is offering me a deal through their insurer
    - [Deactivated] on 25/03/2015 - 14:14
      
      +24
      
      @easternculture:
      you don't just say "I just wanted to make a quick $87…I've got another 100 polices I want to cancel, can you do it, or do I have to call back?"
    - easternculture on 25/03/2015 - 14:32
      
      +3
      
      @supabrudda:
      
      That what broden would do
[Deactivated] on 25/03/2015 - 14:14

+2

Real deal.

I would never deal with real insurance after working there
- easternculture on 25/03/2015 - 14:16
  
  +1
  
  why?
  - [Deactivated] on 25/03/2015 - 14:24
    
    +3
    
    its like a SWEATSHOP of teenagers calling thousands of people to try and sell them life insurance
    - easternculture on 25/03/2015 - 14:27
      
      +10
      
      But ozbargain is calling them now. Lets return the favour.
      
      Lets all get $100 Eftpos cards.
      
      IMHO, its better than applying for credit cards to get Cashback or points as this doesnt affect your credit rating
    - LoungeLizard on 25/03/2015 - 14:29
      
      +2
      
      I think that's the case with most "budget" insurance companies. At least they have an Australian call centre.
    - [Deactivated] on 25/03/2015 - 14:30
      
      +1
      
      @easternculture:
      at least they will get paid their commision as you have the cover for longer than 30 days.
    - easternculture on 25/03/2015 - 14:32
      
      +2
      
      @tuzii:
      
      SO its a win win for the RI Reps and Ozbargainers and probably a loss for Real Insurance when thousands are just signing up for FREE cash
    - [Deactivated] on 25/03/2015 - 14:34
      
      +6
      
      @easternculture:
      good luck cancelling though……
      needs to be written on gold plated paper with the ink of 100 virgins.
      
      youll end up wasting more than $100 of your own time canceling.
    - easternculture on 25/03/2015 - 14:36
      
      @tuzii:
      
      needs to be written
      
      Maybe 10 years ago. In this time and age, everything is done electronically.
      
      He did say i can cancel by phone anytime if my conditions changed. Its all on the phone recording
      
      If they insist, i can fax them a signed letter from work same day.
    - arend on 25/03/2015 - 15:11
      
      +4
      
      @tuzii:
      I'm afraid to ask, but where does the ink of a virgin come from?
    - RyanMK on 25/03/2015 - 15:12
      
      +1
      
      I'd have to agree there. They were so persistent with their calls that I had to block their number
    - [Deactivated] on 25/03/2015 - 15:17
      
      @arend:
      the same place unicorns are
    - Gorodemon on 25/03/2015 - 15:41
      
      @easternculture:
      
      Hell yeah! Let's show 'em the power of OZBargain!!! Rawrrrr!!
    - ItsMeAgro on 25/03/2015 - 15:45
      
      @tuzii:
      
      easternculture, you seem to think that if they've recorded it, YOU can somehow use that against them. That's not how that works.
    - m9 on 25/03/2015 - 15:46
      
      +2
      
      @tuzii:
      This is how we get unicorns:
      
      A kid with an ice cream was like "Ooh pony".
      The kid tried to ride it but dropped his ice cream on the pony's head.
      The cone stayed and when the pony had a baby, the baby had a horn.
imissbeans on 25/03/2015 - 14:25

Thanks easternculture! Pretty interesting deal!
- easternculture on 25/03/2015 - 14:28
  
  your welcome miss beans
  - imissbeans on 25/03/2015 - 14:33
    
    Would you recommend using their online get a quote system? :)
    - easternculture on 25/03/2015 - 14:34
      
      +3
      
      no. call them. They answered me right away and policy was setup in literally 10 min max
      
      Oh , and tell them easternculture says Hi .. lol
    - djones145 on 25/03/2015 - 14:49
      
      +5
      
      @easternculture:
      what 10 mins!
      the ad says it takes a few minutes
      all they need is your age and smoking status! :P
    - imissbeans on 25/03/2015 - 14:51
      
      +1
      
      @easternculture: you deserve a referral fee for recommending the hoards of ozbargainers to sign up
    - easternculture on 25/03/2015 - 14:52
      
      @djones145:
      
      they need to read you these annoying declerations, and you have to say yes
      
      i also was talking to him for 3 min asking him to confirm stuff for the purpose of the phone recording on their end
inherentchoice on 25/03/2015 - 14:42

+5

Don't know how I feel morally about taking their money and cancelling.
- easternculture on 25/03/2015 - 14:43
  
  +4
  
  DO you feel the same way about FREE QFF points and Cashback via credit cards with $0 annual fees? :D
  - inherentchoice on 25/03/2015 - 14:47
    
    +1
    
    Do you mean getting a credit card with bonus rewards points and then cancelling?
    
    That may be a little different as the bank/card company will expect people to just get the points and cancel and yet they don't do anything to stop them.
    
    Not saying that it is morally wrong but just that I'm not sure how I feel about it.
    - bargain_knight on 25/03/2015 - 15:08
      
      It's cheaper for you to buy directly from them than for them to pay an adviser commission. Life insurance is sold not bought, so this is very cheap for them. Plus their premiums are ridiculously high (compare them to the premiums you pay through super- like for like). Effectively the premium is almost 100% profit for them after a few months. If 50% of people stick they are still well ahead.
      
      Also it is not someone who doesn't understand what they are doing introducing this deal. They know what they are doing, they just hope there are people up there who don't cancel their insurance. They will make it very difficult to cancel, i.e. will try talk you down.
      
      So in short, don't feel sorry for this mob, just enjoy your money as you do need to do some work for it.
- miq on 25/03/2015 - 14:43
  
  +5
  
  Lol they're not exactly a charity mate
  - easternculture on 25/03/2015 - 14:44
    
    lol
  - inherentchoice on 25/03/2015 - 15:30
    
    And yet it seems they are being quite charitable with this deal.
- djones145 on 25/03/2015 - 14:47
  
  happens alot in the industry
  
  financial advisors usually sign you up for a year, get massive initial commissions then churn you to the next provider
  
  work for a company with a life insurer so its good its not them! lol
- arend on 25/03/2015 - 15:13
  
  +4
  
  You could always die after the 40 days and that way know you've actually used the policy for what it was intended for
  
  Plus $100 cash!
- thevic on 26/03/2015 - 16:44
  
  I work at a law firm that helps people struggling with insurance claims.
  
  You should NOT feel bad about taking money from REAL Insurance.
cpho on 25/03/2015 - 14:45

+10

The real bargain would be to take out the insurance, get the gift card, then fake your death :)
Payout, $100 gift card, and you dont even have to call up to cancel the policy.
It's a foolproof winwin situation
- easternculture on 25/03/2015 - 14:46
  
  How can you fake your death.
  
  If you just need a death certificate, ive got that covered
  - cpho on 25/03/2015 - 14:53
    
    +2
    
    Surely this should suffice.
    Just need a quick trip to the morgue, grab a spare body, buy a tub of acid, and dissolve the sucker.
    Then sit and wait for profits to come in :)
    Also probably read the t&c to see if they cover death by acid….
    - easternculture on 25/03/2015 - 14:55
      
      too easy lol
Zen on 25/03/2015 - 14:49

DONE! My policy took 18 min to setup over the phone. The only thing I'm concern about now is how long it will take to cancel this policy.

Hopefully not as painful as the sign up process…

Fingers crossed!
- easternculture on 25/03/2015 - 14:56
  
  from my experience with the last one i signed up to (coles insurance), it was immediatly
1stOzBargainer on 25/03/2015 - 14:53

+3

Terms and conditions
…
13.
If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, the Promoter reserves the right, in its sole and absolute discretion and to the fullest extent permitted by law to: (a) disqualify any claimant; or (b) modify, suspend, terminate, or cancel the promotion, as appropriate.
…
15. HFS has the right, at its absolute discretion, to refuse to accept or vary or discontinue this offer without notice.

How convenient for them!
- Charity on 25/03/2015 - 15:49
  
  This.
  
  Anyone want to have a bet (also known as insurance) that this clause is exercised? Especially if this a popular deal.
  
  Sounds like a similar scenario with the News Ltd newspapers/ Rebel gift card (?) deal about a year ago. (they didn't honour the gift cards)
  - sachimo2000 on 25/03/2015 - 18:14
    
    +2
    
    For the record, I signed up for that Rebel deal and DID get a gift card!
  - easternculture on 25/03/2015 - 18:57
    
    +2
    
    i got 2 rebel gift cards lol
- fickre on 25/03/2015 - 18:02
  
  +2
  
  It's almost at every T&C I've read in a cashback promotion. But personally, if they refuse to give me the gift card, my defense is that I join your insurance solely because of the attractive gift card. Not sure if it's going to work, though.
minniethemoocher on 25/03/2015 - 14:57

Won't they bother you with phone calls from now on?
- sickburn on 25/03/2015 - 14:59
  
  Use one of those $2 prepaid sims and throw it away afterwards.
- easternculture on 25/03/2015 - 15:06
  
  +1
  
  weird. They didnt ask me for a phone number
grips on 25/03/2015 - 15:04

+2

I tried a quote and got the message: Cover only available for people born between 1951 and 1997. Bastards!
- bargain_knight on 25/03/2015 - 15:10
  
  +1
  
  How old are you? They will never cover you for death if you are over 65!! The risk is too high.
  - sween64 on 25/03/2015 - 15:43
    
    Maybe grips is only 17 years old.
    - montorola on 25/03/2015 - 16:18
      
      +6
      
      Ahh I'm sure he'll come to grips with it
pointless martyr on 25/03/2015 - 15:06

+2

I doubt theyll honor several hundred thousand dollar worth of gift cards in exactly 40 days.
- easternculture on 25/03/2015 - 15:08
  
  Just make sure you ask them to confirm the $100 before you end the call so it can be on the recording
  - pointless martyr on 25/03/2015 - 15:11
    
    +2
    
    Without even looking, ill bet there is an escape clause in the details of their offer.
    
    And if not, they will say they had a rogue rep who made the confrimation in error.
    
    Plus, the recordings are probably made on a potato
    
    But hey, if you got the time to try it, and willing to pencil in the probable hassle of cancelling, i hope it works for you! Im all for alleviating these companies of some $$
    - CrazyMexican on 25/03/2015 - 15:24
      
      +2
      
      Potato :D
  - ItsMeAgro on 25/03/2015 - 15:32
    
    +4
    
    LOL you think if their recording is there to help you?
stickyfingers on 25/03/2015 - 15:19

+6

Almost finished signed up on the phone, but then it just felt wrong…
I'll skip this one, thanks anyway :)
- onlyletters on 25/03/2015 - 15:37
  
  Its not wrong when these companies are ripping off the world.
- MelbBargainChaser77 on 26/03/2015 - 05:30
  
  This is just selfish unethical and wrong. And the poor genuine bastard that has a policy will pay for this through next years premium.
- WaywardOne on 26/03/2015 - 06:27
  
  +1
  
  Yeah this whole deal has paralells to the movie The Wedding Crashers.
  Creating/closing bank accounts was the the whole crashing of weddings (and was fun, harmless etc)
  However creating/closing life insurance policies is like the "funeral crashers" scene. It's a bit more serious :)
Peanut money on 25/03/2015 - 15:25

+2

Thanks. Something to do on my drive to work
onlyletters on 25/03/2015 - 15:30

You will only get the gift voucher for the "Real Family Life Cover Policy". If they told you otherwise on the phone, they lied, make sure you get it all in writing. Trust me.
- easternculture on 25/03/2015 - 15:45
  
  I asked for the life insurance with a $100 gift card if that helps
  
  Just checked my email and got this from them
  
  Welcome to Real Insurance!
  
  Dear EasternCulture,
  
  Congratulations, your Family Life Cover application has been accepted.
  
  Your Policy Number: XXXXXXXXX
  
  Application Date and Time: 25/03/2015 13:XX
  You can now enjoy peace of mind knowing that if the unexpected happens you and your loved ones are protected.
  - onlyletters on 25/03/2015 - 15:49
    
    As long as it says Family Life Cover then you're all good.
glam77 on 25/03/2015 - 15:31

+5

Just a thought…. if you take out this policy you might want to check it doesn't void any other policies you have.

Just incase sh*t does down in the 40 days you have this policy.
Ryxxi on 25/03/2015 - 15:40

this one might be free but the rep kept giving me offers from 1million and he didn't wana go under 500k until I said "II just want to try this out, so I want to go with the minimum. I want to see how the customer service is etc." was a pain in the ass.
- unity1 on 25/03/2015 - 15:42
  
  +1
  
  Wait till you try cancelling
  - Ryxxi on 25/03/2015 - 15:45
    
    Actually, after reading 1stozbargainers post, I might just try cancel this now. The coles ones sounds much better. I buy my groceries from coles so. That one is prob better.
Ryxxi on 25/03/2015 - 15:55

+6

Just tried to cancel and omg, they don't have a direct number for the cancellation department and the guy told me that he has to organise a callback and he doesn't have the authority to do it and they don't have a direct number. Not looking good lol.
- [Deactivated] on 25/03/2015 - 16:07
  
  +4
  
  when i worked there, there was 1 person in cancellations
  and 200+ selling the product
  - montorola on 25/03/2015 - 16:21
    
    +1
    
    Lol imagine if that person goes on stress leave once the cancellation calls start rolling in from us haha
    - Ryxxi on 25/03/2015 - 16:35
      
      Well, I got a callback and the girl was able to cancel it straight away because I signed up for it today. Might go with ther coles one. So thanks op for mentioning it.
- glam77 on 26/03/2015 - 12:15
  
  do it in writing / email / fax
davicta on 25/03/2015 - 15:59

+1

Do you think we can stack this offer with their $75 EFTPOS gift card promotion for signing up to their Funeral Insurance?
- djones145 on 25/03/2015 - 16:20
  
  +2
  
  lol, all they need to do now is offer health insurance and they have all bases covered!
  - [Deactivated] on 25/03/2015 - 16:49
    
    they already do, its called Choosi
Sidor on 25/03/2015 - 16:16

$15.55/fortnight for me … no worth it
- pointless martyr on 25/03/2015 - 16:24
  
  +4
  
  You must be a chain smoking alcoholic base jumper or similar?
- easternculture on 25/03/2015 - 16:45
  
  did u ask for the $100k cover or did he just offer you $500k
smit0847 on 25/03/2015 - 17:02

+2

I'm really torn about whether to jump into this. It sounds like it would be extremely easy to sign up for but harder to cancel than a Fitness First membership (which I had to cancel my CC to get out of!)
- spychiatrist on 25/03/2015 - 17:13
  
  Based on experience (AMEX), cancelling CC alone will not stop a company for being able to still charge on your cancelled CC. Of course you can dispute to have the charges reversed, but it's a PITA.
- Chik5555 on 25/03/2015 - 17:29
  
  Same
netizen on 25/03/2015 - 17:21

+1

Be aware of this (un)Real Insurance, got lot of bad reviews in Product Review.com.au
AlisonP on 25/03/2015 - 17:37

+1

Although this is a deal, the advice at the top of the page amounts to a rather morally questionable practice. Can a mod please remove the advice to join, and then cancel? It's against the spirit of the website, and not what we should be promoting here.
- jelko on 25/03/2015 - 17:54
  
  +2
  
  Agree 100%. I hate insurance companies as much as the next person but to deliberately encourage this sort of behaviour is not on.
  - grasstown on 25/03/2015 - 18:27
    
    Sadly it's endlessly encouraged around here

This was posted 9 years 1 month 1 day ago, and might be an out-dated deal.

$100 Eftpos Card When You Take Real Family Life Cover @ Real Insurance (from $1.46/Wk) Min 40 Days

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