As an ROA Member in good standing under age 70, you are guaranteed acceptance for up to a $250,000 benefit, payable for a covered accident. Your spouse and children can be covered for a percentage of your chosen benefit. The plan also provides benefits for education, child care assistance and seatbelt usage. Double benefits (up to $300,000) will be paid if you die in a covered accident while a passenger in a licensed common carrier (such as a taxicab, train, bus or airplane). This plan is underwritten by ReliaStar Life Insurance Company.