Group_Term_Life_ Insurance


COVID-19 state-enforced social distancing restrictions and vendor safety precautions have impacted customary medical underwriting procedures. Accordingly, the insurance company has implemented temporary approval limits for life insurance coverage as follows, based on an applicant’s age:


Under age 50................$150,000
Age 50–54...................$100,000
Age 55–59...................$50,000


The difference in coverage that is applied for and the coverage that may be approved, based on the above approval limits, will be pended until such time that medical requirements can be satisfied and underwriting practices can resume as normal.

In addition, applications received from individuals age 60 and over will be pended until such time that medical requirements can be satisfied and underwriting practices can resume as normal.

Thank you for your understanding.

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You and your spouse1 can qualify for up to $500,000 of term life insurance through the ROA Term Life Plan and will enjoy relatively low, member-only rates.

Covered participants are also eligible for the following services at no additional cost to them:

  • Voya Travel Assistance Service.* What if you or your spouse1 is traveling (more than 100 miles from your home—even abroad) and you’re in an accident, lose your passport or need other assistance? This service can help you plan your trip and deal with potential problems you may have while traveling, at no additional cost to you. Think of this as your own personal travel assistance team on-call 24 hours a day, every day, from anywhere you might be that’s away from home, or even abroad!
  • Funeral Planning & Concierge Service.** In the event of your death, your surviving spouse1 and children (under age 26) are eligible for funeral planning assistance from trained advisors.

How to Apply

To apply for coverage, download an application by clicking on the Download button, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.

1In OR, spouse includes domestic partner.

*Voya Travel Assistance services provided by Europ Assistance USA, Bethesda, MD Services not available in OR.

**Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX.

Life Insurance Coverage is provided under the terms of a group life insurance policy, Group Policy GL-31816-7, issued and delivered in the state of North Dakota to Reserve Officers Association as the policyholder. The group policy is sitused in the state of North Dakota and is governed by its laws. The group life insurance 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 LP08GP. This is a paid endorsement. ROA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.

ROALife Benefit Notification

As a member in good standing in the Reserve Officers Association of the United States, you can qualify to apply for ROALife Term Life insurance.


BENEFIT AGE Member Spouse1
Nontobacco Tobacco Nontobacco Tobacco
$25,000 Under 30 $0.95 $0.95 $0.72 $0.95
30-34 1.43 1.67 1.19 1.19
35-39 1.90 2.14 1.67 1.90
40-44 2.85 3.33 2.38 2.85
45-49 5.23 5.94 4.28 4.99
50-54 8.55 9.74 7.13 8.32
55-59 14.02 16.15 11.88 13.54
60-64 20.90 24.23 17.58 20.19
$50,000 Under 30 $1.90 $1.90 $1.43 $1.90
30-34 2.85 3.33 2.38 2.38
35-39 3.80 4.28 3.33 3.80
40-44 5.70 6.65 4.75 5.70
45-49 10.45 11.88 8.55 9.98
50-54 17.10 19.48 14.25 16.63
55-59 28.03 32.30 23.75 27.08
60-64 41.80 48.45 35.15 40.38
$100,000 Under 30 $3.80 $3.80 $2.87 $3.80
30-34 5.70 6.67 4.77 4.77
35-39 7.60 8.57 6.67 7.60
40-44 11.40 13.30 9.50 11.40
45-49 20.90 23.77 17.10 19.97
50-54 34.20 38.97 28.50 33.27
55-59 56.07 64.60 47.50 54.17
60-64 83.60 96.90 70.30 80.77

1In OR, spouse includes domestic partner.

Other benefit amounts are available. Please call administrator for rates.

Premiums are based on your age at date of issue and increase on renewal dates as indicated above. Your rates will not change unless they are changed for all insureds in your classification. Rates shown are guaranteed to 10/31/2020. Your amount of insurance will decrease to 50% on the Policy Anniversary date on or after your 70th birthday. Coverage terminates at age 75.

If applicable, an additional $2 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.

Qualifications for this ROALife group term life insurance offer are few:

  • You must be a Reserve Officers Association member under 60 years of age.
  • You must be actively at work.
  • Your cannot already be insured by this plan.

Coverage as long as you need it

The only way you can lose your coverage is if the entire group policy is terminated, you quit being an ROA member, or you fail to pay your premiums when due. (You can never be singled out and cancelled because of poor health.)

Accidental Death and Dismemberment Insurance Benefit Option

Group Accidental Death and Dismemberment (AD&D) Insurance can be elected up to the same level of death benefit being applied for. In addition, many people are seriously injured by accidents and sustain loss of limb or eyesight. For these reasons, the ROA Group Accidental Death and Dismemberment (AD&D) Insurance is an important addition to your benefit plan.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.

Group Term Life Insurance is underwritten by ReliaStar Life Insurance Company. Policy form LP08GP.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

Yes, a spouse1 can obtain separate coverage.

1In OR, spouse includes domestic partner.

To apply for coverage, click the Download button to review the brochure and fill out the application, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.

To learn more about the Group Term Life Plan, contact the Plan Administrator, Mercer Consumer toll-free at 1-800-247-7988, or download an application and brochure.

The underwriting process depends on many factors: the number of persons to be insured, their ages, the amount of coverage for which you apply, your medical history and that of your family members (if requesting dependent coverage), and the type of coverage requested.

Mercer Consumer is the company contracted to manage the Group Insurance Program. Mercer Consumer is not affiliated with the insurance companies that underwrite each plan.

ReliaStar Life Insurance Company is the insurance carrier for the ROA Group Term Life Plan. ReliaStar Life is rated A; Excellent by A.M. Best. This is the third highest of 15 ratings. A.M. Best company assigns ratings from A++ to F based on a company's financial strength and ability to meet obligations to contract holders.

Mercer Consumer, a service of Mercer Health & Benefits Administration LLC ("Mercer") makes no representations or warranties, expressed or implied, concerning the financial condition or solvency of any insurers. A.M. Best’s Ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at See Guide to Best’s Ratings for explanation of use and charges. Best’s Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Mercer or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Ratings. Best’s Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Insurance Application and Brochure

Beneficiary Designation Form

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We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-247-7988
Hours: 7:00 am to 5:00 pm M-F (Central)
Web site:

Insurance Company

ReliaStar Life Insurance Company
Minneapolis, MN

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