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Get one month free

Purchase your policy today and receive one month free for a limited time.*

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 2020^ with over 140 years heritage.
Get one month free*

RAC Life Insurance, issued by NobleOak

You will be covered for

  • Death
  • Terminal illness

See some of the key features and benefits

How much can I apply for?

Australian residents between the ages of 16 and 69 can apply for up to $25 million in cover.

Maximum entry age

69 years

Guaranteed renewable age

To 99 years

Available as an option with life insurance

  • Total and Permanent Disability Insurance (TPD)
  • Trauma insurance
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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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Optional with your life insurance cover

TPD cover and trauma cover are available as optional covers together with your life insurance cover (trauma cover is also available as standalone cover). You can select these covers in the quote process.

  • Total and permanent disability insurance (TPD) Receive a lump sum payment of up to $5 million cover, paid as a lump sum if you become permanently disabled as the result of a sickness or injury and are unable to return to work.

    *Available as an optional extra you can add to your life insurance.

    More about TPD
  • Trauma insurance Receive a lump sum payment of up to $2 million if you are diagnosed with one of 37 serious medical conditions listed in the PDS.

    *Available as a stand-alone policy or an optional extra you can add to your life insurance.

    More about Trauma insurance 

More features of this cover

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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.
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Become an RAC member

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

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 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.

*The first month free offer is available if you apply for cover before 31 December 2021. If you apply for cover before 31 December 2021, you will not start paying premiums until one month after the commencement date of the 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.