Get RAC Life Protect and look after those that matter most to you with cover from $100,000 to $1,000,000.


RAC Life Insurance 25% online discount^

Buy RAC Life Protect or RAC Income Protect online from 1 February to 26 March 2021 and save 25% on your first year.

Life insurance

With RAC Life Protect, you'll get:

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.

Advance payment

Advance payment of $15,000 to assist your family with any immediate expenses.

Bonus cover on selected benefits

Get an increase of 1% each year on your insured amount on selected benefits for the first 10 years at no extra cost.

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.

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.

More AIA Vitality rewards and discounts

^The 25% online discount offer is applied to the first year premium of all new RAC Life Protect and RAC Income Protect policies purchased online between 5:30am AWST February 1 2021 and 5:00pm AWST March 26 2021. After the first year, the discount will be reduced to an ongoing 10% discount for each subsequent year the policy is held.

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.

† Bonus cover on selected benefits, which increases the amount that you're insured for by 1% a year, for the first 10 years of your cover – at no extra cost. Annual CPI Premium increases may apply.

‡ 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 Partner terms and conditions may also apply.

25% discount when you buy online on your first year^