Explore RACQ Life and Income Protection Insurance Products

You know why you need Life insurance and Income Protection – the reasons are all around you. But wouldn’t it be nice if someone offered simple, straight forward cover that had your best interests at heart?

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Life Insurance

  • Pays up to $1 million in the event of Death or Terminal Illness
  • RACQ member rates
  • Bonus cover on selected benefits
  • Optional Trauma, Total and Permanent Disability cover
  • Access to AIA Vitality
  • Get a quote Read more

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    Income Protection Insurance

  • Pays up to 70% of Income^ if you can’t work because of an Illness or Accident
  • RACQ member rates
  • Death cover, Premium Pause and Premium Waiver benefits included
  • Access to AIA Vitality

  • Get a quote Read more

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    AIA Vitality

    AIA Vitality gives you the knowledge, tools and motivation to improve your health and wellbeing. You can also access discounts with a range of health and lifestyle providers. Available through the purchase of our Life or Income Protection Insurance policies.

    AIA Vitality Discounts

    Life Insurance and Income Protection Insurance

    RACQ has partnered with AIA, one of Australia’s leading life insurers to change life insurance for the better by offering a range of Life insurance and Income Protection products that give you access to AIA Vitality – a health and wellbeing program that rewards healthy living.

    AIA Vitality makes your life and income insurance more than just protection - it’s a personalised, science-backed program that supports you every day to make healthier lifestyle choices. By being a part of the program, AIA Vitality gives you the opportunity to access savings on gym memberships, fitness devices, leading retail brand shopping vouchers, spa treatments, flights, discounts off your Life and Income Protection insurance premiums* and more.

    RACQ Life insurance and Income Protection includes:

    • comprehensive cover, with two policy types that can be tailored to suit your needs and budget
    • access to AIA Vitality, a personalised, science-backed health and wellbeing program that rewards a healthy lifestyle
    • RACQ member rates, with an extra 5% off for joint policies and a 10% discount when you buy online
    • bonus cover on some of our benefits that rewards your loyalty over time
    • 10% off your RACQ Life Insurance and 5% off your RACQ Income Protection Insurance premiums when you achieve AIA Vitality Status of Silver or higher*

    Need help? Try our needs calculator to determine what your options are.

    Why choose RACQ for your Life Insurance or Income Protection

    • We are trusted
      With over 1.8 million Home, Vehicle, Pet, Boat, CTP, and Life and Income Protection Insurance policies currently in effect, Queenslanders trust that we will look after the things they value most.
    • Our products are tailored
      We truly understand Queenslanders and our products are crafted to suit their different life-stage needs.
    • We care
      We’re here for Queenslanders when you need us. Contact us anytime to discuss your insurance needs.
    • We offer you great benefits
      An RACQ membership unlocks a huge range of benefits like Aussie Assist, discounted movie tickets and holidays, and offers all over Queensland and Australia.

    ^Cover up to 70% of your Income to a maximum of $10,000 per month.


    RACQ’s Life and Income Protection Insurance suite of products described on this website 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 on this website 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.

    AIA Australia has adopted the FSC Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at fsc.org.au.

    AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see aiavitality.com.au. Partner terms and conditions may also apply.

    *Reach AIA Vitality Silver status or above and you’ll get 10% off your RACQ Life Insurance and 5% off your RACQ Income Protection Insurance premium at your next Policy Anniversary Date. Maintain AIA Vitality Silver status or above to keep the discount each year.

    The 10% online discount applies to annual insurance premiums for new RACQ Life Insurance and RACQ Income Protection Insurance policies purchased online for the life of the policy.

    #View full competition terms and conditions.