Why choose RAC Life Insurance?

Take care of your family's financial future with RAC Life Insurance and get extra benefits with AIA Vitality, like discounted shopping, gym memberships, entertainment and travel.


Comprehensive cover

Comprehensive life insurance that offers our highest protection for your family with cover over $100,000 to $1,000,000.


Access to AIA Vitality

Purchase an RAC Life Insurance policy & get access to AIA Vitality, a personalised scientifically-backed health and wellness program that rewards you for living a healthy lifestyle.


Become an RAC member

When you take out a policy with us you also become an RAC member. As a member, you get access to great benefits, like discounts on retail partners or RAC products & services.


Online discount

Buy online and save 10% on your policy for life ^.


Cover from 60 cents a day

Comprehensive life insurance cover from as little as 60 cents a day*


Income Protection

Just looking to protect your income? We’ve got you covered with RAC Income Protect

Extra benefits with AIA Vitality

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Fitness discounts

Get up to 50% off gym memberships and up to 25% off fitness devices.

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Shopping rewards

Get up to $650 in shopping vouchers per year.

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Premium discounts

Get up to 10% off your RAC Life Insurance renewal premium.#

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*Premiums vary. The example is based on a 34 year old female non-smoker with $230,000 Life cover and no health loadings. Total premium based on the example is $212.58 per annum.
 ^ The 10% online discount offer is applied to all new RAC Life Protect and RAC Income Protect policies purchased online.

The RAC Life Insurance suite of products is distributed by RAC Distribution Pty Ltd (RACD), an authorised representative of, AIA Financial Services Limited , AFSL 231109 (AIAFS) and is issued by AIA Australia Limited, AFSL 230043 (AIAA). RAC is a distributor only; it does not sell, issue or guarantee these products. AIAFS and other authorised representatives of AIAFS are also involved in distributing these products. Descriptions of product benefits and features are a summary only. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS) available on this website before deciding to acquire or continuing to hold RAC Life Protect or RAC Income Protect products. The information on this website is general and does not take such factors into account so you should consider its appropriateness in the context of such factors. AIA Australia has adopted the FSC Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at FSC.

AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see 
aiavitality.com.au. Partner terms and conditions may also apply.