Protect your loved ones with RACQ Life Insurance

You're more important than you realise. Every time you wait in the car at school pick up, duck down to the shops for dinner ingredients, or get up extra early to make an appointment, you're investing in the lives around you. RACQ Life Insurance protects the people you love from losing that investment. Don't leave their future to chance, look after your loved ones even when you can't be there.

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RACQ members get 5% off joint policies and a 10% online discount

What does my RACQ Life Insurance cover?

To get up to speed on all the details, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations

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    $100,000 to $1 million payment in the event of your death or terminal illness 
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    $15,000 advanced payment to assist your family with immediate expenses if you pass away 
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    Worldwide 24/7 coverage when you travel 
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    Immediate cover once your application is accepted 
  • Blue tick
    Access to AIA Vitality
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    Bonus cover on selected benefits
    We increase the amount you’re insured for by 1% per annum for the first 10 years

RACQ Life Insurance optional benefits

These features are a summary only and limits apply. Please refer to our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations for full details, exclusions, and terms and conditions.

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    Trauma cover
    Apply for up to $250,000 Trauma cover for events such as heart attack or cancer.
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    Total and Permanent Disability (TPD)
    Apply for up to $750,000 TPD cover in case an illness or accident means you can never work again.
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    Childrens Trauma cover
    Apply for up to $50,000 Children’s Trauma cover to support your family if your child suffers an event such as cancer or bacterial meningitis.

Why choose RACQ?

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    Unlock premium discounts
    Ask how we can help you save on life insurance.
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    30-day cooling off period
    We understand that situations change.
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    Flexible payment options
    Take care of your premiums fortnightly, monthly, or annually.
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    Know we’ll look after you
    We’ve been helping Queenslanders for over 115 years.

Save with RACQ Life Insurance

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    Buy online and save
    RACQ members enjoy a 10% discount when buying life insurance online.
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    Joint Policy Discount
    Take an additional 5% off your premiums when you purchase a joint life insurance policy with your partner.
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    AIA Vitality Status Discount
    Get 10% off your RACQ Life Insurance premiums when you achieve AIA Vitality Status of Silver or higher.*

Your RACQ Life Insurance comes with access to AIA Vitality

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    Know your health

    AIA Vitality offers a range of online and in-person health assessments to provide you with personalised feedback on the current state of your health.

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    Improve your health

    You’ll be supported in improving your health via a range of benefits including discounted gym memberships and fitness devices, quit smoking programs, nutrition consultations, and more.

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    Get rewarded

    When you make healthier choices, you’ll be rewarded with discounted movie vouchers, e-Gift cards, and cash back on eligible flights.

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    Learn more

    Head over to AIA Vitality to find out how membership can improve your health and wellbeing.

Life insurance FAQs

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

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

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 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.

Life and Health Discount (LHD)
  • To qualify for the 5% Life and Health Discount (the LHD), you must hold both an eligible health insurance policy and an eligible RACQ Life Insurance policy. Both the eligible health insurance and Life Insurance policies must insure the same person (same name and date of birth must appear on both policies) and have a common mailing address listed.
  • Eligible health insurance policy:
    • AIA Health Insurance
  • Eligible RACQ Life insurance policies are:
    • RACQ Life Protect
    • RACQ Income Protect
  • For Joint Policies, at least one of the insured lives must hold an eligible health insurance policy in addition to an eligible RACQ Life Insurance policy and the LHD will apply to both life insured's premiums under the RACQ Life Insurance Policy.
  • Where you have an existing eligible RACQ Life Insurance policy the LHD will be applied at your next payment instalment for fortnightly or monthly premium frequencies. If you have an annual premium frequency the LHD will be applied with immediate effect.
  • The LHD will continue to be applied to your RACQ Life Insurance premiums, provided you still qualify by holding an eligible health insurance policy and an eligible RACQ life insurance policy.
  • If you no longer hold an eligible health insurance policy, the LHD will be removed at your next Policy Anniversary Date.
  • If the eligible health insurance policy is not in place within or at 30 days of policy inception, the LHD will be removed effective from:
    • next payment instalment for fortnightly and monthly premium frequencies; or
    • policy inception for annual premium frequency.
  • The LHD is generally applied to the total premium. If you are eligible for other discounts (in addition to the LHD), then generally we apply each additional discount to the already discounted premium.
  • AIA Australia Limited reserves the right to vary or discontinue the LHD at any time and without notice.

© 2020, AIA Health Insurance Pty Ltd. ABN 32 611 323 034. PO Box 7302, Melbourne VIC 3004. All rights reserved. AIA Health Insurance with AIA Vitality is issued by AIA Health Insurance Pty Ltd, a registered private health insurer governed by the Private Health Insurance Act 2007, Private Health Insurance Rules 2007 and our Fund Rules. AIA Vitality is issued by AIA Australia Limited ABN 79 004 837 861.

~~ 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.