CANSTAR 2023 - Outstanding Value - Direct Life Insurance OL
CANSTAR 2023 - Outstanding Value - Direct Life Insurance OL

Award winning insurance

Brought to you by NobleOak, Australia's most awarded Direct Life Insurer of 2024 with over 145 years heritage
handshake 75b
handshake 75b

Peace of mind

RAC My Protection Plan is fully underwritten, which means we ask more questions upfront when you apply for cover. This makes the process easier for your loved ones at claim time.

RAC Income Protection Insurance, issued by NobleOak

Receive payments during your benefit period to replace some of your income if you suffer a sickness or injury and can no longer work.

You will be covered for

  • Illness or injury which stops you earning your income

See some of the key features and benefits

How much can I apply for?

Insure for up to 70% of your pre-disability earnings for the first two years of your claim with a monthly benefit of up to $30,000 a month.

Maximum entry age

55 years

Benefit period

Benefit periods of 2 years or 5 years or to age 65 may be selected. This is the period for which benefits are payable if you are disabled by illness or injury and are unable to work. Premiums for shorter Benefit Periods are generally lower than those for a longer Benefit Period.

Waiting period

The waiting period is the time you remain disabled before benefits are payable - select a waiting period of 30 or 90 days.

Outdoor family meal
Staff-graphic-GRFX190

Any questions
Call us on 1300 342 194 Monday to Thursday 6am to 6pm or Fridays 6am to 4pm. Or you can email sales@raclifeinsurance.nobleoak.com.au

What are some of the key benefits?

Pause icon
Wheelchair
Man with arm in a sling

More features of this cover

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.

Income protection 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.

NobleOak Awards please see here.