Secondly, we found two disturbing posts on Ripoff Report:

Real Benefits Association Misleading sales pitch cost me $65
I called the insurance company to express my concern about being lied to by the salesperson. I was told that this particular salesperson was no longer with the company. I cancellled my policy & was told that I will receive a refund of all but $65 of my payment (which was agreed upon on the phone). Bottom line: a misleading sales pitch cost me $65, & got some untruthful salespeson a nice comission. I would not recommend anyone buying insurance on line or on the phone. Get everything in writing before you pay a bill !
David
Cottondale, Alabama
U.S.A.

Real Benefits Association Unfulfilled promises and refusal to return processing fee
I am finished dealing with this company. Although I checked it before and saw nothing last time, as of today, there are 5 complaints with the NJ BBB and the company has an 'F' for non responsiveness. I agree with that assessment. Stay away from these people if you don't want to spend your hospital stay on the phone asking if you have coverage and hoping that they will deliver as promised and pay your hospital bills.
Maryland
Silver Spring, Maryland
U.S.A.

Thirdly, as the above complaint points out, the Better Business Bureau gives Real Benefits Association an F rating, which means: "We strongly question the company’s reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the law’s licensing or registration requirements, their complaints contain especially serious allegations, or the company’s industry is known for its fraudulent business practices."