- This provider has a claims acceptance rate of 97% for death cover purchased through a financial advisor, which is higher than average (96.6%).
- You can get access to AIA Vitality discounts.
- With RACQ, you get a death benefit of up to $1,000,000. Insurers includingNobleOak, ahm and Suncorp all offer between $500,000 and $14,000,000 more.

Life insurance
- Life insurance: Pays out a lump sum of up to $1,000,000 in the event of death or terminal illness.
- AIA Vitality: Get access to this lifestyle rewards program with RACQ cover.
- Funeral advance: Up to $15,000 paid out ahead of the rest to help cover immediate expenses.
- Global coverage. You're covered worldwide 24/7 when you travel.
- Bonus cover on selected benefits. Bonus cover can increase the amount that you're insured for by 1% a year for the first 10 years of your cover.
Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

Optional cover

Eligibility
To apply, you must:
- Be an Australian citizen or permanent resident, or a New Zealand citizen.
- Permanently reside in Queensland or at a northern NSW address with an eligible postcode.
- Be 18-65 years of age (18-59 for Trauma & TPD cover).
- For TPD optional cover: Work a minimum of 20 hours per week (excludes heavy, manual occupations).
You need to also meet the underwriting requirements (health and lifestyle factors) during the application process to start receiving cover.
Still wondering if RACQ is right for you? Here are the main pros and cons summarised:
Pros
- It gives you access to AIA vitality.
- Wide range of linked cover options.
Cons
- Maximum sum insured of only $1,000,000
- Only available in QLD and northern NSW currently
To make a claim you should inform RACQ as soon as reasonably possible after an insured event.
Call 1800 722 777 or email claims@lifeinsurance.racq.com.au to receive a claims form, and then mail it, completed, to the RACQ claims team.
You will need to include evidence to support your claim, which depends on the type of claim. The additional documentation required may include:
- Medical evidence provided by a practitioner
- Proof of earnings or work status
- Proof of age
- Proof of death
- Evidence of disability.
You cannot make a claim for loss resulting from:
- Suicide or deliberately self-inflicted injury within 13 months of taking out or reinstating life cover, or at any time for trauma and TPD cover
- Criminal or unlawful acts, or legal imprisonment
- Engaging in any aerial activity, except as a fare-paying passenger with a licensed airline or charter company
- War of any kind
- Alcohol, illicit drugs or any kind of drug misuse, whether directly or indirectly
- Any motorised sports participation, in any capacity
- Hazardous occupational duties, including working underground, offshore, at heights, underwater, with explosives, in the armed forces or in professional sports
For children's trauma cover specifically, you cannot make claims within the first 90 days, for congenital conditions or for pre-existing health conditions.
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