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

  • two-people-next-to-eachother
    Learn more about your health

    Get personalised feedback from a free AIA Vitality Health Check.

  • heart-rate
    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!

  • two-hearts
    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.

  • tag
    Earn discounts on your premiums*

    AIA Vitality members can also earn discounts on eligible life and income protection insurance premiums.

Why choose RACQ?

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

While you're here

house-home
Home insurance
Cover the places and things that matter with home insurance options tailored to your needs.
front-of-car
Car insurance
Know you’re protected from the unexpected when you insure your vehicle with RACQ.
airplane-flying
Travel insurance
Feel safer wherever you roam with RACQ Domestic and International Travel Insurance policies.

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.

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMD’s outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMD’s also outline matters involving the distribution and the review of these products. The PDS and TMD’s for each travel product can be found here.