RACV Life Insurance Quote - Save 5%

RACV and AXA have combined to provide members with a 5% premium discount for the life of their policy. The discount applies to Life Insurance, TPD Insurance and Trauma Insurance Premiums. All you need to do is let us know your RACV member number at the time of any application.

The discount is applied to your personal policy plus that of your spouse.

• Individual
• Couples

Contact Details

Name

Your full name

Email Address

We require your email address and phone number

Phone Number

Please include area code. e.g. 03 1234 1234

Postcode

Please include post code. e.g. 3000

QuoteId

QuoteIsCouple

Personal Details

Date of Birth

Day / Month / Year

Gender --- Male Female

Male Female

Smoker Status --- Non Smoker Smoker

Non-Smoker Smoker

Select 'Smoker' if you have smoked in the last 12 months

Occupation

(start typing to see a list of available occupations)

Insurance Details

Term Life Cover

Term Life Cover

Term life insurance provides a lump sum payment on the death of the life insured. Approximate premiums are detailed below for non-smokers.

Sample quotes based on your information:

TPD Cover

Total and Permanent Disability

Total and Permanent Disability (TPD) is usually taken as an extension to life cover. It provides a lump sum payment in the event that the life insured is totally and permanently disabled.

Where people take income protection the amount of TPD cover can be reduced. As if you have correct income protection, in the event of total disablement the income protection policy will replace lost income.

 

Trauma Cover

Trauma Cover

Trauma policies pay a lump sum in the event of an injury or sickness as defined in the policy document, (for example cancer, heart attack, stroke). This can be taken as a stand alone policy (on its' own), or attached to a life insurance policy.

There are basic trauma policies and there are extended trauma policies that cover a greater level of events (we only quote on the extended cover). Some policies offer TPD as a definition of trauma, therefore this can provide cost savings.

 

Would you also like quotes for Income Protection Cover? Yes No

Annual Income

Annual Income

Please enter your gross annual income before tax.

Your gross annual income before tax

Type of Policy -- Select -- Indemnity Agreed Either

Type of Policy

Agreed Value Policy

With an agreed-value policy, you prove your income up front and insure to receive a set amount. The advantage is that you know what you will receive, regardless of changes in your income. The disadvantage is that these policies cost more (approx 20%)

Self employed people with variable income should take an agreed value policy.

Indemnity Policy

With an indemnity policy, you are insured for what you say you earn, but if you make a claim you have to verify your income. If your income has reduced since you applied for cover, your claim will be paid on the reduced amount.

Waiting Period -- Select -- 14 days 30 days 60 days 90 days 1 Year 2 Years

Waiting Period

The waiting period, with income protection, determines how long you are unable to work before the policy begins paying your income. For example, with a 30 day waiting period you would begin receiving payments after 31 days.

Income protection should be used to protect against long term illness, therefore try and select a waiting period that matches your financial situation. It is important to note that the shorter the waiting period the higher the premium.

Benefit Period -- Select -- 2 years 5 years Until Age 60 Until Age 65 Until Age 70

Benefit Period

With income protection this is how long the claim will be paid if you are unable to work. For example, with a benefit period to age 65, if you were unable to ever work again due to sickness or injury the policy would continue to pay you right up to this age. Ideally a long benefit period is chosen.

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General Advice: The information contained in this website has been prepared without taking into account your objectives, financial situation or particular needs and is General Advice only. Lifebroker Pty Ltd (the authorising licensee AFSL 400209) or any related companies will not be held responsible for the merits of this advice to your circumstances.

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