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

Most 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. Not available to residents of all states.
**Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX. Not available to residents of all states.

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.

 

Eligibility
Where available This coverage is available only to residents of the United States and may not be available in all states. Please contact the administrator for details.

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 http://www.ambest.com. 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
E-mail: roa.service@mercer.com
Hours: 7:00 am to 5:00 pm M-F (Central)
Web site: http://www.mercer.com

Insurance Company

ReliaStar Life Insurance Company
Box 20
Minneapolis, MN 55440
 

Insurance Application and Brochure Download

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