Get RAC Income Protect and look after one of your most valuable assets – your income.

With RAC Income Protect, you'll get

Protect your income

Get cover for up to 75% of your income (to a maximum of $10,000 per month)*, to help you maintain your lifestyle until you are able to return to work.

Total Disability

Receive your nominated monthly benefit or 75% of Pre-Disablement Income, whichever is lower (max. $10,000/month).

Premium Pause Benefit

No premiums are payable by you for up to 12 months whilst you are taking Parental Leave or are Involuntarily Unemployed, and your cover remains in place.

Death Benefit

If you die whilst on claim and receiving benefits, we will pay an additional benefit of three times your monthly benefit.

Premium Waiver Benefit

No premiums are payable by you whilst you are on claim and receiving benefits.

Immediate cover

Get comprehensive cover from the moment your application is accepted.

No medical tests

Easy to apply - just answer a few questions online to get your quote.

Joint policy discount

Enjoy 5% off when you and your partner both take out cover on the same RAC Life Insurance product policy.

Discounts on travel, entertainment and much more

When you purchase an RAC Life Insurance product you get access to the award-winning AIA Vitality rewards program, which offers you rewards on travel, shopping, fitness devices, entertainment and much more just for being healthy. Plus you also get access to all the benefits and discounts that come with being a member of the RAC.

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.

Find out more

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Shopping rewards

Get up to $650 in shopping vouchers per year.

Find out more

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Premium discounts

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

Find out more

^ The 10% online discount offer is applied to all new RAC Life Protect and RAC Income Protect policies purchased online.
* Limited to 75% of your Pre-Disability Income.

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.

10% discount for life when you buy online^