Life insurance for families

Whether you're starting a family or have an empty nest, there's no better time to protect your loved ones. Learn which life insurance policy is best for your family.

Whether you’re after protection for your family if you pass away or a policy to help pay your bills if you’re unable to work; life insurance can help you make the most of your life in Queensland.

Your life:

When you have young children your instinct is to care and nurture those that rely on you. You put your family first and want to protect those you love.

Your finances:

Money may be a little tight with everyday expenses like children’s school fees, mortgage/rent, credit cards, food and utility bills. That’s why it can be a good idea to have a backup plan if suddenly you couldn’t work.

Why should I consider life insurance?

You and your partner work hard to provide a lifestyle for your children and make sure they’re protected and healthy. What would happen if life took an unexpected turn and you were no longer around?

Steps to help protect you and your young family;

  1. Find the right life insurance for you and your family
  2. We never like to think about something bad happening, but if you get a terminal illness or pass away how would your family hold up? RACQ Life Insurance provides a lump sum to help cover your family’s expenses. With the mortgage, children’s fees and other debts taken care of, know you’re giving your family the best chance to continue the life you had planned together.

    Life Insurance quote

  3. Do you need income protection insurance?
  4. Injury and illness is never good news, especially when it means you’re out of action. Without your contribution, how would your family fulfil your household’s financial demands? RACQ Income Protection Insurance can pay up to 75%* of your Pre-Disability Income, to a maximum of $10,000 per month to assist with your household bills, so you can focus on recovering.

    Income Protection Insurance quote

How you can help to protect your family

The Life and Income Protection Insurance suite of products described is distributed by RACQ Operations Pty Ltd ABN 80 009 663 414, Authorised Representative Number 234978 (RACQO), an authorised representative of AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109 (AIAFS) and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIAA). RACQO 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 at before deciding to acquire or continuing to hold any of these 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. Cover is subject to terms, conditions, limitations and exclusions.

* Benefit is paid after nominated ‘Waiting Period’ - 30 or 90 days. For exclusions refer to Income Protection PDS page 18 – ‘What you’re not covered for’. Also refer to ‘Benefit Limitations’ on page 26.