Piggy bank with money going in
Piggy bank with money going in

Become an RAC member

When you purchase any RAC Life Insurance policy, you'll become an RAC member - with access to extra benefits.
CANSTAR 2016 - 2021 - Outstanding Value - Direct Life Insurance
CANSTAR 2016 - 2021 - Outstanding Value - Direct Life Insurance

Award winning insurance

Brought to you by NobleOak, Australia's most awarded Direct Life Insurer of 2021^ with over 140 years heritage.

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

Any questions
Speak to one of our RAC Life Insurance team by calling 1300 342 194 or email sales@raclifeinsurance.nobleoak.com.au

What are some of the key benefits?

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More features of this cover


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.

Become an RAC member

When you purchase any RAC Life Insurance policy, you'll become an RAC member - with access to extra benefits.

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 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 receives a commission from NOL for policies issued by NOL to RAC members.

*15% off on Life cover – RAC WA members 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 Life Insurance product. This offer is available if you apply for cover before 30 June 2022 and cover is issued. After the first 12 months of cover, your premium rate will no longer attract the 15% reduction – your premium rate for Life cover will revert to the applicable standard rate for your cover. This offer is available once only per new customer and may not be used in conjunction with any other offer.

^NobleOak Awards please see here.