How much cover do you need?
Finding the right life insurance starts with looking at your life stage and events
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.
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‡.
What's included in these covers?
Before you decide, please read our policy documents.
Frequently asked questions
We’ve provided answers to some of the most frequently asked questions.
Insurance member support
Support for family violence, financial hardship, accessibility and specialist services
*Competition t&cs apply, see competition terms & conditions. 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). RACD is a distributor only; it does not sell, issue or guarantee those products. You should consider factors like your objectives, financial situation and needs and read the relevant PDS available at rac.com.au before deciding to acquire or continue to hold RAC Life Protect or RAC Income Protect products.
# 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.
‡ 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.
