TPD cover is available as an option with your RAC Life Insurance cover

Receive a lump sum payment of up $5 million cover if you become permanently disabled as the result of a sickness or injury and are unable to work again.

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Get two months free^

When you apply for two or more RAC Life Insurance covers by 30 June 2024. Choose from Life, Income Protection, Trauma and TPD Insurance.

^see offer T&C at the foot of page


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What does TPD Insurance cover provide?

You will be covered for

If you become totally and permanently disabled due to sickness or injury and unable to work again, you will be paid an agreed cover amount as a lump sum (as this is an option with life cover, life cover will reduce by the amount paid).

See some of the key features and benefits

How much can I apply for?

Australian Residents between the ages of 16 and 59 who take out RAC Life Insurance can apply for up to their life cover amount (to a limit of $5 million in cover).

Note: If your occupation is Home Duties, the Domestic Duties definition for TPD will apply.

Maximum cover level

$5 million

Maximum entry age

59 years

Guaranteed renewable age

To 75 years

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Any questions
Call us on 1300 342 194 Monday to Thursday 6am to 6pm or Fridays 6am to 5pm. Or you can email

10% discount when you buy online^

What are some of the key benefits?

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

NobleOak Awards please see here.

^Two (or more) covers – Two months free. This offer is available for applications received from 1 May 2024 until 30 June 2024 and cover is issued. If you apply for and are issued with two or more covers, you will not start paying premiums for each cover respectively, until two months after the commencement date of the relevant covers. If you apply for two or more cover types and are issued with only one type of cover, or if you apply for and take out two or more covers but cancel any cover(s) within the first month so that only one cover remains current, you will not start paying premiums on the remaining cover until one month after the commencement date of that cover.

One month free also available. If you apply from 1 May 2024 up until 30 June 2024 and are issued with one cover type, you will not start paying premiums until one month after the commencement of the cover.