RAC Life Insurance 25% online discount^

Buy RAC Life Protect or RAC Income Protect online from 1 February to 26 March 2021 and save 25% on your first year.

RAC Life ProtectRAC Income Protect

Life insurance

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 from $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 and RAC products & services.

Online discount

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

Optional extras

Help protect yourself financially in case of total and permanent disability, trauma or children’s trauma with our optional extras cover.

Income Protection

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

Access to AIA Vitality

Access to AIA Vitality comes with RAC Life Protect and Income Protect Insurance. It gives you things like exclusive rewards, great travel and lifestyle rewards and lets you earn more rewards by just walking.

Get rewarded for living a healthy lifestyle

RAC Life Insurance suite of products come with access to AIA Vitality, a personalised scientifically-backed health and wellness program that supports you every day to make healthier lifestyle choices. It helps you understand your current state of health and provides you with tools and resources to help you improve it with great discounts and rewards to keep you motivated along the way.

Extra benefits with AIA

Gym & fitness device discounts

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

Up to $500 in vouchers

Per year from Myer, Rebel, Ticketmaster, Woolworths and DYMOCKS.

Up to 50% off spa treatments

Treat yourself with up to 50% off at Endota Spa.

Premium discounts

Get up to 10% off your RAC Life Protect or Income Protect premium.

More AIA Vitality rewards and discounts

# 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 25% online discount offer is applied to the first year premium of all new RAC Life Protect and RAC Income Protect policies purchased online between 5:30am AWST February 1 2021 and 5:00pm AWST March 26 2021. After the first year, the discount will be reduced to an ongoing 10% discount for each subsequent year the policy is held.

‡ Achieve or maintain your AIA Vitality Status - Sliver, Gold or Platinum and you'll get 10% off your RAC Life Protect premium and 5% off your RAC Income Protect Premium at your next policy renewal date.

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.