Save 15% on the first year of RAC Life Insurance cover*

Apply by 19 September 2025 to take advantage of this offer.


 

Get a quote

competition details

Some features of RAC Life Insurance, issued by NobleOak

Tick
Tick

Award winning insurer

Brought to you by NobleOak, Australia's most awarded Direct Life Insurer of 2024 with over 145 years heritage.
Tick
Tick

Claims process

Apply over the phone with help from the RAC Life Insurance team. All claims made are managed by a team of dedicated claims consultants.
Tick
Tick

Tailored by you

Your policy is a fully underwritten product tailored by you. Fully underwritten cover helps reduce unforeseen delays or surprises in the event of a claim.

Cover available

Brought to you by NobleOak, one of Australia’s longest standing life insurers with over 145 years heritage.

Life insurance

Pays a lump sum if you die or become terminally ill

  • Apply for cover up to $25 million (if you are aged between 16 - 74)
  • Funeral expenses advance of up to $30,000 of your cover amount
  • Your death benefit is advanced in full if you become terminally ill
  • A Financial Advice Benefit is available up to $10,000
  • Grief Counselling Benefit of up to $2,000
  • Conditions, limits and exclusions apply. For full details, please read the PDS available through the policy documents link.

  • Policy documents

The following covers are available as an option with Life insurance.

Income protection insurance

Pays a monthly benefit if you cannot work due to sickness or injury

  • Apply for cover to insure up to 70% of your income initially (if you are aged between 18 - 60, working 20 hours+ per week)
  • Benefit and Waiting period options available
  • The minimum monthly benefit is $1,500 and the maximum monthly benefit is $30,000
  • Opportunity to pause premiums and cover after 2 years of holding the policy if circumstances change
  • Conditions, limits and exclusions apply. For full details, please read the PDS available through the policy documents link.

  • Policy documents

Trauma insurance

Pays a lump sum benefit if you suffer a serious listed medical condition in the PDS

Available as an option online with Life insurance or call for stand alone.

  • Apply for cover from $50,000 up to $2 million (if you are aged between 18 - 59)
  • Cover for 37 serious medical conditions listed in the PDS issued by NobleOak
  • A Financial Advice Benefit is available up to $5,000
  • Opportunity to pause premiums and cover after 2 years of holding the policy if circumstances change
  • Conditions, limits and exclusions apply. For full details, please read the PDS available through the policy documents link.

  • Policy documents
Staff-graphic-GRFX190

Any questions
Call us on 1300 342 194 Monday to Thursday 6am to 6pm or Fridays 6am to 5pm. Or you can email sales@raclifeinsurance.nobleoak.com.au

Life insurance FAQs

The RAC Life Insurance suite of products (RAC Life Insurance) is distributed and issued by NobleOak Life Limited, AFSL 247302 (NOL). NOL and its representatives handle all claims. RAC Insurance Pty Ltd does not distribute, issue or guarantee these products. The information on this website is factual information only, and is not financial advice. You should consider factors like your objectives, financial situation and needs and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) available via this website as well as our Financial Services Guide before deciding to acquire RAC Life Insurance.

You should not cancel any existing life insurance policy until you have been informed in writing that your replacement cover is in place.

RAC Insurance Pty Ltd receives a commission from NobleOak for RAC My Protection Plan Life Insurance policies.

*Save 15% on the first year of Life cover - New RAC Life Insurance cover customers are entitled to a 15% reduction (for the first 12 months of cover only) on the standard premium rates for Life cover under the RAC My Protection Plan product. This offer is available when you apply for cover between 4 August and 19 September 2025 and cover is subsequently issued. After 12 months of cover, your premium rate will no longer attract the 15% reduction - your premium rate for Life cover will revert to the standard rate for your cover. The offer is available for new RAC My Protection Plan Life cover customers only (offer excludes TPD, Trauma and Income Protection Insurance cover) and can only be used once. Not able to be used in conjunction with another advertised offer.

NobleOak Awards please see here.