At The Exeter, we’re committed to making protection accessible to all, even clients living with a serious medical condition.

Real Life is the evolution of our Managed Life plan. It is life cover for hard to insure clients. Real Life is designed for clients who have suffered either serious or multiple health conditions, they may have even been declined life cover by another insurer.

Focusing on your clients’ health

We’re living longer, but suffering longer periods of ill health.

With Real Life, we may be able to cover people living with a serious medical condition, such as:

  • Cancer
  • Type 1 diabetes
  • A BMI above 48
  • Complex heart conditions
  • Multiple conditions.

What’s more, we know how important the quote and apply process is, so our Real Life online service features:

  • A detailed quote process that delivers more accurate, partially underwritten quotes. For some applicants, this will be instant and in some cases our underwriters will assess the information before returning a quote.
  • A delegated underwriting feature enabling you to delegate application questions for your clients to complete, particularly useful for sensitive cases.
  • An online trust process.

Surpass expectations

You know it is vital for your clients to have adequate life cover in place. So, discover how Real Life can open up a whole new market – our experience to date indicates we offer cover to over 95% of all applicants.

To read the An Unhealthy Situation report click here.

To find out more and to begin working with an award-winning insurer, why not organise a webinar or meeting with The Exeter sales team on 0300 123 3207 or email us at