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By entering your details, you agree:


  • that you have read the PDS and FSG
  • that RACQ, AIA Australia Limited as well as their related bodies corporate, affiliates, agents and business and joint venture partners will periodically contact you about RACQ's Life and Income Protection Insurance product offers until you tell us otherwise, including by telephone. Your information is collected, stored, used and handled in accordance with the AIA Australia Privacy Policy and the RACQ Privacy Policy (as updated from time to time); and
  • (to the extent permissible by law) to receive all communications about RACQ's Life and Income Protection Insurance (including the PDS and FSG) and the AIA Vitality program electronically.


The RACQ 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) 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 Australia has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced 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.