Life insurance and income protection insurance

Explore RACQ Life Insurance and Income Protection Insurance

You know why you need life insurance and income protection – the reasons are all around you. If you want to protect your family and lifestyle, RACQ offers simple, straightforward cover that rewards you for healthy living. When you take out an RACQ Life Insurance or Income Protection policy, you get access to AIA Vitality – a science-backed health and wellbeing program that rewards you for making healthier lifestyle choices.

Look after what's important

Your life insurance and income protection insurance include access to AIA Vitality

Learn more about your health
Get personalised feedback from a free AIA Vitality Health Check.
Be supported as you make healthier lifestyle choices
Members get discounts on gym memberships and fitness devices – and can earn an Apple Watch just by reaching weekly physical activity targets!
Get rewarded for looking after yourself
Earn great rewards each membership year including up to $500 in vouchers from a range of retailers including Woolworths, MYER, Amazon Australia and Bunnings.
Earn discounts on your premiums*
AIA Vitality members can also earn discounts on eligible life and income protection insurance premiums.

Why choose RACQ?

We put your needs first
We exist to make a positive difference in the lives of our members.
We're a trusted Queensland brand
Queenslanders have relied on us for over 115 years.
RACQ is a owned by members
We put our members before profits.
We're Queenslanders helping Queenslanders
We help fund the RACQ Air Rescue Network and provide essential community grants.

While you're here

Things to note

^{^}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), any applicable Supplementary PDS and Target Market Determinations 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/vmp-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.

^~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.