Life insurance
Cover in case of an unexpected terminal illness or death.
Any questions
Call us on 1300 342 194 Monday to Thursday 6am to 6pm or Fridays 6am to 4pm. Or you can email sales@raclifeinsurance.nobleoak.com.au
Award winning insurer
Brought to you by NobleOak, Australia's most awarded Direct Life Insurer of 2025† with over 145 years heritage
Peace of mind
RAC My Protection Plan is fully underwritten, which means we ask more questions upfront when you apply for cover. This makes the process easier for your loved ones at claim time.
RAC Trauma Insurance, issued by NobleOak
A lump sum payment of up to $2 million if you are diagnosed with one of the 37 listed medical conditions in the PDS issued by NobleOak.
Available as
- An optional extra online with life insurance
- A stand-alone insurance policy by calling only. Call 1300 392 194
You will be covered for
- Cancers - excluding specified early-stage cancers#
- Heart Attack - with evidence of severe heart muscle damage#
- Stroke in the brain resulting in specified permanent impairment#
- Coronary Artery By-Pass through open chest surgery#
- Three Vessel Coronary Artery Disease – requiring specific treatment#
- Full list of additional conditions listed within the PDS issued by NobleOak
#90 day qualifying period applies. See exclusion details in the PDS issued by NobleOak
See some of the key features and benefits
How much can I apply for?
Australian Residents between the ages of 18 and 59 can choose an amount of cover from $50,000 up to $2 million.
Guaranteed renewable age
To 70 years
What are some of the key benefits?
Trauma benefit
If you suffer from one of the 37 listed medical conditions defined within the PDS issued by NobleOak, while covered for trauma insurance, you will receive the cover amount as a lump sum. You will require an unequivocal diagnosis by a Medical Practitioner before payment can be made.
Financial advice benefit
You can be reimbursed the cost of engaging a qualified financial adviser up to $5,000 to prepare a financial plan if a benefit is paid in excess of $200,000 for a Trauma benefit.If your Sum Insured is more than $1 million and your insurance has been in place for at least 2 years, the upper limit on this benefit is increased to $10,000.
Premium freeze
You can fix the cost of your cover at any time by getting in touch with us with a request to freeze the premium amount.
Funeral benefit
With stand-alone Trauma insurance, if no other benefit is payable under the insurance, a $5,000 benefit is paid if the life insured dies.
More features of this cover
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.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.Trauma insurance FAQs
Why should I consider RAC Life Insurance, issued by NobleOak?
Life Insurance is an important tool for people who have financial dependents, allowing you to help provide for your loved ones. RAC My Protection Plan offers several different insurance types, each providing a benefit for different scenarios. You can choose one or more of the following insurance types:
- Life cover: Pays a lumpsum payment if you die or become are terminally ill
- Income protection cover: Offers a monthly benefit if you are unable to work due to sickness or injury and need to take extended leave from work
- Total Permanent Disability (TPD) cover: Pays a lump sum payment if you become permanently disabled due to sickness or injury and are unable to work again
- Trauma cover: Pays a lump sum payment if you are diagnosed with a specified critical illness (see full list in the in the PDS)
RAC Life Insurance is a fully-underwritten life insurance product. That means the insurer asks you about your health and lifestyle at the start, not when you make a claim. As long as you correctly disclose the information requested when you apply, you can be more confident that a future claim will be paid as outlined in the Product Disclosure Statement than with other types of cover.
Who is the issuer of RAC Life Insurance?
NobleOak Life Limited (NobleOak), an award winning life insurer, is the issuer of RAC Life Insurance. NobleOak is an Australian life insurer that was established in 1877 and has been protecting Australians for over 145 years.
NobleOak is regulated by the Australian Prudential Regulation Authority (APRA), and holds an Australian Financial Services License issued by the Australian Securities and Investments Commission (ASIC).
RAC Life Insurance is reinsured through an arrangement NobleOak has with Hannover Life Re of Australasia Ltd.
NobleOak is also a member of the Financial Services Council of Australia (FSC) and a signatory to the FSC Code of Practice for Life Insurers.
RAC has partnered with NobleOak to offer RAC Life Insurance, reflecting their shared commitment to integrity, exceptional customer service, and community benevolence.
What is fully underwritten cover?
Policies that are ‘fully underwritten’ are tailored to your individual circumstances. By answering more questions at the time of application, the life insurer is better able to make an assessment of the potential risks (health and other factors) of offering insurance cover to you.
The main benefit is that the terms of cover are specifically tailored to you, which may reduce the costs of your cover depending on your circumstances. It can also mean greater peace of mind for you and your family, as you know exactly what you are covered for.
For policies that are partially underwritten or have no underwriting. If something in your medical history in or the manner of your death is considered significant, there is a chance that your claim entitlement may be significantly reduced, or even denied.
By taking out fully underwritten life insurance cover, you can have more certainty at claims time because the life insurer already has certain information about you.
Will I need to have a medical or blood test?
As part of the underwriting process, your application for Life Insurance may result in the requirement for a blood test, or a medical examination. If this is the case, NobleOak will arrange this, and do so at their expense.
This process is usually quick and would take place in your home or office. It helps ensure the cover you require can be tailored to your personal situation and the premiums you will pay are calculated accordingly.
What is Trauma cover?
Trauma cover is a lump sum payment of up to $2 million paid to you if you are diagnosed with a listed medical condition (see PDS). We cover 37 Trauma events: 6 Main Trauma events including Cancer, Heart Attack, Stroke and Coronary Artery By-Pass surgery and 31 Other Trauma events.
You are eligible to apply if you are aged between 18 and 59 years. Cover can remain in place to age 70. In the event of a claim, the funds may help you pay for your treatment expenses and adjust your lifestyle so you can focus on your recovery. The level of trauma insurance you may need depends on your circumstances and what other insurances you may hold.
As an option, you can add Trauma cover within your Life Cover, or you may hold Trauma cover as standalone cover (if you do not wish to attain Life cover).
If you add Trauma Cover to your Life cover, then any approved claim for a Trauma event will reduce the Life cover by the amount of the Trauma cover payment.
What's included in these covers?
Before you decide, please read the PDS issued by NobleOak on the Policy documents page.
RAC Insurance member support
Support for family violence, financial hardship, accessibility and specialist services.
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 Insurance Pty Ltd receives a commission from NobleOak for RAC My Protection Plan Life Insurance policies.
†NobleOak Awards please see here.
