Explore RACQ Life Insurance and Income Protection Insurance

Protect the life you’ve created for your family with life insurance and income protection cover. Our life and income protection policies include AIA Vitality – a science-backed program that rewards you for making healthier lifestyle choices. Apply today with no medicals required – just answer a few questions to receive an online quote. 

RACQ members get:

  • 5% joint policy discount
  • 10% online discount
  • Up to 10% AIA Vitality discount

RACQ Life Insurance and Income Protection

It’s easy to look after what's important to you.

Extra benefits with AIA Vitality

  • heart-rate
    Gym and fitness device discounts

    Save up to 50% on eligible gym memberships and up to 25% on eligible fitness devices.

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    Up to $500 in vouchers

    Enjoy yearly vouchers from Myer, Rebel, Ticketmaster, Woolworths, and Dymocks.

  • two-hearts
    Up to 50% off spa treatments

    Treat yourself to with up to 50% off at endota Spa, Australia’s largest day spa.

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    Premium discounts

    Get up to 10% off your RACQ Life Insurance or Income Protection premium.

Why choose RACQ for your life insurance and income protection?

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    Unlock premium discounts
    Talk to us about how to save on your policy.
  • Tick icon
    We put your needs first
    We exist to help our members live their best lives.
  • Tick icon
    We’re here to answer your questions
    Ask us anything, so you get the right cover. 
  • Tick icon
    We care about Queensland communities
    We help fund the RACQ Choppers and Rescue Network and disaster relief projects. 

While you're here

Home insurance
Cover the places and things that matter with home insurance options tailored to your needs.
Car insurance
Know you’re protected from the unexpected when you insure your vehicle with RACQ.
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 Pty 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. The information on this website is current as at 20th July 2022 and may be subject to change.

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. AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia Limited. 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.

~~ 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.