Group_Life_ Insurance
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This plan is convenient for all married ROA Members because it can provide up to $200,000.00 of group term life insurance for both you and your spouse¹ in one plan for the cost of one affordable premium. Often called the "first-to-die" plan, it pays benefits for whoever dies first, you or your spouse¹.

The plan includes these benefits:

  • Common accident benefit pays double your life insurance benefit amount to your loved ones if you and your spouse¹ both die in the same covered accident.
  • Death During a Hostile Action benefit pays up to an additional $25,000.00 if you're killed in hostile action in a designated combat area while on active duty.

How to Apply

To apply for coverage, download an application by clicking on the link at the top of this page, or, to speak to a customer service representative, call our toll-free number: 1-800-247-7988.


¹ In OR, spouse includes domestic partner.


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.

What is the ROA 1 Plan and how does it work?

The ROA 1 Plan is a joint term “first-to-die” life plan. You and your spouse1 are both covered for the same benefit amount – it pays the benefit you select on whoever dies first – you or your spouse1.

How much coverage can my spouse1 and I get?

You and your spouse1 under age 65 can apply for $25,000, $50,000, or $100,000 of coverage. The choice is yours.

What about our children?

You can apply for a $5,000 benefit for your unmarried, dependent children age 6 months to age 19 (or 25 if they are full-time students). ($500 for children age 14 days to 6 months.)

How much does the ROA 1 Plan cost?

Your monthly rate depends on three factors: the benefit amount you select; the tobacco user status of you and your spouse1; and the age difference between you and your spouse1.

NON-TOBACCO USERS: If you and your spouse1 are not tobacco users and the difference between your ages is 5 years or less, refer to TABLE A for our affordable monthly rate. If you’re more than 5 years in age apart, refer to TABLE B.

TOBACCO USERS: If either you or your spouse1 use tobacco and the difference between your ages is 5 years or less, refer to TABLE C. If you’re more than 5 years in age apart, refer to TABLE D.


Monthly Group Rates

Table A: Non-Tobacco User (Age difference is five years or less)

Oldest Spouse’s1 Age

$25,000 Benefit

$50,000 Benefit

$100,000 Benefit

Under 30

$3.02

$6.04

$12.08

30-34

$3.23

$6.46

$12.92

35-39

$3.88

$7.75

$15.50

40-44

$5.71

$11.42

$22.83

45-49

$8.98

$17.96

$35.92

50-54

$13.71

$27.42

$54.83

55-59

$20.44

$40.88

$81.75

60-64

$30.94

$61.88

$123.75

65-69

$66.31

$132.63

$265.25


Table B: Non-Tobacco User (Age difference is greater than five years)

Oldest Spouse’s1 Age

$25,000 Benefit

$50,000 Benefit

$100,000 Benefit

Under 30

$2.96

$5.92

$11.83

30-34

$3.13

$6.25

$12.50

35-39

$3.79

$7.58

$15.71

40-44

$5.13

$10.25

$20.50

45-49

$7.71

$15.42

$30.83

50-54

$11.71

$23.42

$46.83

55-59

$17.71

$35.42

$70.33

60-64

$26.98

$53.96

$107.92

65-69

$59.85

$119.71

$239.42


Table C: Tobacco User (Age difference is five years or less)

Oldest Spouse’s1 Age

$25,000 Benefit

$50,000 Benefit

$100,000 Benefit

Under 30

$3.67

$7.33

$14.67

30-34

$3.90

$7.79

$15.58

35-39

$4.69

$9.38

$18.75

40-44

$6.90

$13.79

$27.58

45-49

$10.85

$21.71

$43.42

50-54

$16.60

$33.21

$66.42

55-59

$24.73

$49.46

$98.92

60-64

$37.44

$74.88

$149.75

65-69

$80.21

$160.42

$320.83


Table D: Tobacco User (Age difference is greater than five years)

Oldest Spouse’s1 Age

$25,000 Benefit

$50,000 Benefit

$100,000 Benefit

Under 30

$3.58

$7.17

$14.33

30-34

$3.77

$7.54

$15.08

35-39

$4.58

$9.17

$18.33

40-44

$6.21

$12.42

$24.83

45-49

$9.33

$18.67

$37.33

50-54

$14.17

$28.33

$56.67

55-59

$21.42

$42.83

$85.67

60-64

$32.65

$65.29

$130.58

65-69

$72.42

$144.83

$289.67


Rates shown are guaranteed until 10/31/2019.

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.

Children’s Coverage $5,000 Benefit : 95 cents per month covers all eligible children.

The rates provided will not be changed unless rates change for all insureds in your classification. Your rates are based on the older spouse’s1 attained age and increase as the older spouse1 enters a higher age bracket. Rates shown are guaranteed until 10/31/2019. You will be billed quarterly for your convenience.

Your coverage continues as long as :

  • You remain an ROA member.
  • You pay your premiums when due.
  • You and your spouse1 are living and are under age 70.
  • The group policy remains in force.
  • You remain married.

Coverage for your children continues as long as yours does, so long as they remain eligible.

Who will collect our benefits?

If you die first, then your spouse1 will automatically collect the benefits. If your spouse1 dies first, then you collect the benefits. If both of you die from the same accident, the benefits will be paid to your surviving children. If you have no children, the benefits will be paid to your parents, siblings and then estate in this order. Your children’s beneficiary will be the member first, then your spouse1, your child’s siblings, then your parents, then your siblings, then estate, in this order. (If you wish to designate another beneficiary, please contact the Plan Administrator in writing.)

Can we keep the plan after one of us dies?

If you or your spouse1 die, then the surviving spouse1 and covered children can elect coverage under the ROA Term Life Plan, Group Policy No. GL-31816-7, (provided a request for coverage is made within 31 days after you or your spouse’s1 death and you or your spouse1 continue to pay your premiums).

How soon will our ROA 1 Plan coverage begin?

Once your application is approved by the insurer, your coverage will start on the first of the month following the approval date of your application and the receipt of your first premium payment. (If you or your spouse1 are hospitalized at this time, then coverage will begin the day after you’re released.) Your children’s coverage begins on the latest day of the date you become insured, the date the dependent is eligible, or the date ReliaStar Life approves satisfactory evidence that your children are insurable and you pay your premium. (If dependent is hospitalized at this time, then coverage will begin the day after dependent is released.)

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.

Who is the Insurance Company for the ROA 1 Plan?

ReliaStar Life Insurance Company (ReliaStar Life) is the insurance company for the ROA 1 Plan. ReliaStar Life Insurance Company is a member of the Voya® family of companies.

1In Oregon, spouse includes domestic partner.

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

To apply for coverage, download an application by clicking on the link at the top of this page, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.
To learn more about the Joint Term Life Plan, contact the Plan Administrator, Mercer Consumer toll-free at 1-800-247-7988, or download an application and brochure by clicking on the link at the top of this page.

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

Insurance Application and Brochure

Beneficiary Designation Form



Download Adobe Acrobat Reader



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: 7:30 am to 5:00 pm M-F (Central)
Web site: http://www.mercer.com

Insurance Company

ReliaStar Life Insurance Company
Minneapolis, MN
 

Insurance Application and Brochure Download

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.

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