RAC Life Insurance

RAC is a provider of life insurance, home & contents insurance, car insurance, personal insurance, travel insurance, roadside assistance and other investment products.

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Considering RAC Life Insurance? See our comparison table below for a snapshot of its current market offerings. Please note that this table has been formulated based on a non-smoker male in a professional occupation who is seeking cover. The results are sorted by estimated monthly premium (lowest to highest).

To compare other life insurance policies, please click here.

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How much does RAC Life Insurance cost?

The cost of your life insurance will vary depending on several different factors such as your age, occupation and choice of insurer. You can get a quote for RAC Life Insurance by comparing direct life insurance on our website. Compare the quoted premiums to the average premiums for direct life insurance on our database.

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Eligibility to apply for RAC Life Insurance

All permanent Australian residents may apply for an RAC Life Insurance policy, although your age will be a major factor of your eligibility. Upon application, you’ll also be asked some simple questions about your health, lifestyle and family medical history to determine what level of cover RAC is willing to offer to you.

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How to apply for an RAC Life Insurance policy

If you fit the eligibility criteria, you can apply for RAC Life Insurance by clicking on an RAC Life Insurance product in the Canstar direct life insurance comparison tables for your occupation and age, and confirm your choice of policy.

You can apply for a quote by clicking on the link in our comparison tables. If you need help obtaining a quote, call RAC on 13 17 03, or get a quote on the RAC website.

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Yes; in fact, it’s encouraged that members manage their policy online, and RAC has a dedicated online portal. By clicking here, you can access statements, update your policy, lodge a claim and make payments.

You or your beneficiaries can claim with RAC Life Insurance by calling 13 17 03 or visiting its claims portal on the RAC website.

Before you submit a claim, you may need to have some these details on hand:

  • Your policy information
  • Information about the incident (date, time, place)
  • Original birth and death certificate if the incident was fatal
  • Medical reports, test/examination/laboratory results
  • What damage occurred during the incident
  • What other people, vehicles or property were involved in the incident

If your insurance claim is approved, RAC will arrange the payment of your benefit. If your claim for an income protection benefit is approved, this will involve ongoing payments while you are eligible to continue receiving a benefit, rather than one lump sum payment.

Generally speaking, premiums for forms of life insurance such as term life insurance, TPD insurance or trauma insurance may not be tax deductible, according to ATO (Australian Taxation Office). Ask your tax accountant or financial adviser for more details on this.

The ATO however, states that you can claim the cost of premiums you pay that cover the loss of your income, such as income protection insurance. You can’t, however, claim a deduction for premiums that compensate you for physical injury or are taken out through your super fund. Ask your tax accountant or financial adviser for more details on this.

RAC charges stepped premiums, which increase as you age.

When you apply for RAC Life Insurance, your insurance premium is calculated based on your chosen benefits and level of cover, your age, your occupation, your gender, whether you smoke, your health, family history and whether you engage in hazardous activities.

The cost of your policy is recalculated each year on your policy’s anniversary, so your premium may increase for your particular age bracket or your occupation category.

Premium rates are not guaranteed. For more information about stepped premiums versus level premiums, read this article.

At the time of writing, medical tests are not required to apply for RAC Life Insurance; however, in the event of a claim, RAC may require additional evidence or do a full review of your medical records.

Once you’ve applied for cover, RAC will contact you if a medical examination is required throughout the claims process.

After buying an RAC Life Insurance policy, you can apply to increase the amount of your cover at any time. Your application to increase your cover will be subject to the same eligibility criteria.

You should be able to change your level of cover by adding or removing features or coverage, and by increasing or decreasing your sum insured for each type of cover included in your life insurance policy. If you wish to change your policy inclusions, contact RAC on 13 17 03 to discuss your options.

Keep in mind that increasing your level of cover or adding your spouse or children to your policy is likely to mean you pay a higher insurance premium.

It depends on the condition and policy you decide to take out. When applying for RAC Life Insurance, you must disclose (tell RAC about) any pre-existing medical conditions you have now or had in the past, as well as current medications and health issues. Find out more about pre-existing conditions for life insurance here.

The Royal Automobile Club of Western Australia (RAC) was originally founded over 110 years ago in 1905. In the early years, it was responsible for influencing legislation for speed limits and safety, and helping the motor vehicle become an accepted part of day-to-day life in Western Australia.

Nowadays, RAC offers a number of other insurance products such as life insurance and travel insurance. It has a vast rewards program for its members, which consists of anything from discounted movie tickets to hotel and flight deals.

It is completely member-owned and run, which means all its profits go back into members’ pockets. As part of its commitment to give back for the better, RAC runs and sponsors a number of education programs and community initiatives. Some of these include: Rescue Helicopters, RAC Perth Caravan & Camping Show, RAC Sports Star Awards, Car Safety for Primary and Secondary Education, and Learn-to-drive programs.

The table below shows some of our best life insurance options available for a non-smoking female aged 30-39 years old, who is working in a white collar occupation group such as a clerk or office administrator. This table is sorted by Star Rating (highest to lowest).

Compare the rest of your options when it comes to term life insurance using our website:

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Written by: Regina Collins | Last updated: