Senior_Group_Term_Life_ Insurance
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As an ROA member in good standing, you can now qualify for this ROA Member benefit. ROA Senior Term Life is designed for Members ages 50-74 (for ROA spouses¹ age 45-74). The Senior Term Life plan offers coverage amounts between $10,000.00 and $50,000.00. With no medical exam required, the ROA Senior Term Life plan is right for you.

Benefit Features:

  • Coverage available from $10,000.00 to $50,000.00
  • Choice of Benefits
  • Economical Group Rates
  • Spouse¹ Coverage Available

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.

¹In 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.

ROA Life benefits:

  • No-medical-exam required.
  • Select $10,000.00, $25,000.00 or $50,000.00 in coverage.
  • Once approved by the insurer, full benefits start on day one of coverage.

ROA Group Term Life Insurance Plan Monthly* Group Rates

Attained Age-
Member & Spouse





















































Rates shown are guaranteed until 10/31/2020.

*You will be billed just four times a year. If applicable, an additional $2.00 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. Coverage begins on the first day of the month following approval by the Insurer and payment of first premium. Coverage continues with no decrease in benefits until you reach age 75. At age 75, benefits reduce to 50%. At age 80, benefits reduce to 25% of original face value. At age 85 and after, benefits will be $2,500.00. Coverage cannot be canceled as long as you remain a Member of the Reserve Officers Association, pay your premiums when due and the group contract remains in effect.
**ROA Members' Spouses¹ ONLY can apply for coverage starting at age 45 (through age 74). ROA members can apply for coverage starting at age 50 (through age 74).
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. Terms and conditions of coverage are set forth in group policy 31816-7 issued to the Reserve Officers Association. This Plan may not be available to residents of all states. Availability may change. Policy form LP08GP.
Group Term Life Insurance underwritten by ReliaStar Life Insurance Company, a member of the Voya® family of companies.

¹In OR, spouse includes domestic partner.

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.

No! Fill out the Simplified Application Form to apply for up to $50,000.00 in coverage without submitting to a full medical exam or providing blood work.
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 Senior 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.
The application 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 Senior 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: 7:30 am to 5:00 pm M-F (Central)
Web site:

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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