Some features of RAC Life Insurance, issued by NobleOak

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Get one month free

Purchase your policy today and receive one month free for a limited time.*
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Award winning cover

Brought to you by NobleOak, Australia's most awarded Direct Life Insurer of 2020^ with over 140 years heritage.
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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.
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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.
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Become an RAC member

When you purchase any RAC Life Insurance policy, you'll become an RAC member - with access to extra benefits.

Cover available

Brought to you by NobleOak, one of Australia’s longest standing life insurers with over 140 years heritage.

life insuranceLife insurance

Pays a lump sum if you die or become terminally ill

  • Get one month free*

  • Cover for death and terminal illness
  • Apply for cover up to $25 million (if you are aged between 16-69)
  • Funeral expenses advance of up to $15,000 of your cover amount
  • Your death benefit is advanced in full if you become terminally ill
  • A Financial Advice Benefit is available up to $5,000
  • Before you decide, please read the PDS issued by NobleOak in the Policy documents section.

  • Policy documents

The following covers are available as an option with Life insurance.

Dollar sign inside a shieldIncome protection insurance

Cover to help support lost income if you can't work due to sickness or injury

  • Get one month free*

  • Cover for disability, sickness and injury
  • Insure up to 70% of pre-disability earnings for first two years of claim
  • Replaces a share of your income if you can’t work due to sickness or injury
  • Apply for cover if you are aged between 18 - 55
  • Opportunity to pause premiums and cover after 2 years of holding the policy if circumstances change
  • Before you decide, please read the PDS issued by NobleOak in the Policy documents section.

  • Policy documents

Hospital bedTrauma insurance

Lump sum cover if diagnosed with one of the critical illnesses listed in the PDS

Available as an option with Life insurance or stand alone. Call 1300 342 194 for a quote.

  • Apply for up to $2 million cover (if you are aged between 18-59)
  • Cover for 37 serious medical conditions listed in the PDS issued by NobleOak
  • A Financial Advice Benefit is available up to $5,000
  • Opportunity to pause premiums and cover after 2 years of holding the policy if circumstances change
  • Before you decide, please read the PDS issued by NobleOak in the Policy documents section.

  • Policy documents

Life insurance FAQs

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.

*The first month free offer is available if you apply for cover before 31 December 2021. If you apply for cover before 31 December 2021, you will not start paying premiums until one month after the commencement date of the 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.