Accidental Death and Dismemberment (AD&D) Insurance Coverage is provided under the terms of an AD&D insurance policy, Group Policy 31816-7ASCPAI, issued and delivered in the state of North Dakota to Reserve Officers Association as the policyholder. The group policy is issued in the state of North Dakota and is governed by its laws. The group policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota. The policy is administered on behalf of ReliaStar Life Insurance Company by Mercer Consumer, an insurance administrator licensed in the state of North Dakota. Policy form HP010GP. This is a paid endorsement. ROA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.