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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10% discount when you buy online^

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
Speak to one of our RAC Life Insurance team by calling 1300 342 194 or email

What are some of the key benefits?

Financial advisor


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.