Product Disclosure Statement

It is important that you read and understand the product features and details outlined in the PDS documents below.

RAC Life Protect

RAC Life Protect PDS  – 01/04/2021 v6 (for polices purchased from 01/04/2021) (PDF 0.73MB)

RAC Life Protect PDS – 30/11/2018 v5 (for polices commencing between 30/11/2018 and 31/03/2021) (PDF 0.5MB)

RAC Income Protect

RAC Income Protect PDS – 01/04/2021 v4 (for polices purchased from 01/04/2021) (PDF 1.2MB)

RAC Income Protect PDS – 30/11/2018 v3 (for polices commencing between 30/11/2018 and 31/03/2021) (PDF 0.3MB) 

RAC Accident Protect

For existing members who purchased RAC Accident Protect cover prior to 5 December 2018, please refer to the RAC Accident Protect PDS below:

RAC Accident Protect PDS (No Longer Available) (PDF 0.5MB) 

Financial Services Guide

RAC Distribution PTY LTD (RACD) ABN 71 092 581 470 is part of the RAC Group of Companies and is an authorised representative (Authorised Representative No. 238025) of AIAFS. For more information please read the Financial Services Guide. (PDF 0.5MB)

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.