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Three Reasons to Choose ROA Level Term Life Insurance

Your rates and benefit amount are designed to stay the same for 10 or 20 years.^†
You'll pay economical group rates. Your membership in ROA, combined with the group purchasing power of ROA, helped secure valuable benefits for you.
Your satisfaction is 100% guaranteed. You have 30 days to review your certificate. If you're not happy with the plan, simply write "cancel" on your certificate and mail it back to us within 30 days, provided no claims have been submitted or paid. There's no obligation.

Accidental Death and Dismemberment Insurance Beneft Option

Group Accidental Death and Dismemberment (AD&D) Insurance can be elected up to the same level of death beneft 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 beneft plan.

Exclusive Killed-in-Action Benefit

Your loved ones will collect up to an extra $25,000.00 (or your benefit amount, whichever is less) if you’re declared “killed in action” by the Department of Defense in a designated combat zone.

Waiver of Life Insurance Premium Disability Benefit

You pay no premiums if you become totally disabled as defined in the Certificate. Your coverage will continue at no cost to you if you become continuously totally disabled for at least six consecutive months and if your disability occurs before age 60, subject to policy provisions.

Monthly Rates For The 10-Year Level Term Life Plan

Your rate for the entire term of your coverage is your rate for your age at the time coverage is issued.^†

	$100,000.00		$200,000.00
Age	Non-Tobacco User	Tobacco User	Non-Tobacco User	Tobacco User
35	$4.60	$16.10	$9.20	$32.20
36	4.70	17.30	9.40	34.60
37	4.80	18.60	9.60	37.20
38	5.10	20.00	10.20	40.00
39	5.30	21.60	10.60	43.20
40	5.80	23.30	11.60	46.60
41	6.30	25.20	12.60	50.40
42	7.00	27.20	14.00	54.40
43	7.80	29.30	15.60	58.60
44	8.60	31.60	17.20	63.20
45	9.50	33.80	19.00	67.60
46	10.40	36.00	20.80	72.00
47	11.30	38.30	22.60	76.60
48	12.20	40.80	24.40	81.60
49	13.30	43.60	26.60	87.20
50	14.70	46.60	29.40	93.20
51	16.20	50.00	32.40	100.00
52	18.00	53.60	36.00	107.20
53	19.90	57.50	39.80	115.00
54	22.20	61.70	44.40	123.40
55	24.50	66.20	49.00	132.40
56	26.80	70.70	53.60	141.40
57	29.30	75.40	58.60	150.80
58	32.10	80.90	64.20	161.80
59	35.30	87.80	70.60	175.60
60	39.10	97.30	78.20	194.60

Rates shown are as of 11/1/2022.

Coverage of $10,000 is available for your children at a monthly rate of $2.00. One premium covers all eligible children age 14 days but less than 21 years (23, if full time student).

If you choose the optional Accidental Death & Dismemberment (AD&D) benefit, you will receive the same level of coverage as your Term Life Insurance. The AD&D monthly rate is $0.03 per $1,000.

You will be billed quarterly. 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 will not be reduced during your level term period. The level term rate period begins on the effective date assigned by ReliaStar Life. Plan benefits are offered for amounts of $100,000.00 to $500,000.00. The 10-year plan is offered to persons aged 19-60. The 20-year plan is offered to persons aged 19-50. To obtain a rate quote for other ages, benefit amounts, or for information on the 20-year Level Term Life Plan, call toll-free 1-800-247-7988.

Qualifications for this ROA Level Term Life Plan offer are few:

You must be an ROA Member 19-60 years of age for the 10-year plan (19-50 years of age for the 20-year plan).
You must be actively at work.
You cannot already be insured by this plan.

Your coverage will continue as long as you maintain your ROA membership, pay your premiums when due, your term coverage has not expired and the group policy stays in force.

For members and spouses¹, beginning on and after the 70th birthday, ReliaStar Life decreases the amount of your insurance. ReliaStar Life pays a percentage of the amount otherwise payable-

From your 70th birthday to age 75, ReliaStar Life pays the lesser of 50% or $50,000.00.

For members and spouses¹, insurance terminates on the Group Policy anniversary date on or after your 75th birthday.

A decrease in the amount of insurance due to age will take effect on the later of your attainment of any of the specified birthdays, or at the end of a level term rate period. Your amount of insurance will not decrease due to age during a level term rate period.

If ReliaStar Life approves the insurance, premiums will be determined on a level term rate period basis if all of the following conditions are met:

The amount of insurance requested is $100,000.00 or greater.
Your attained age is under age 61 at the time of your application.
Your application form indicates premiums are to be paid on a level term basis.

If all of the above conditions are not met, premiums will be based on your attained age as it falls in the appropriate 5-year premium age bracket.

All members and spouses¹ must complete an application form for any new coverage or to increase coverage (including dependent coverage) or to begin an initial or subsequent 10-year (or 20-year) level term rate period when proof of good health is required. Some applicants may be required to have a medical exam in order to apply for coverage. For more information on medical requirements, please contact your plan administrator.

If there is an increase in the amount of your insurance, the increase will take effect on the first day of the month on or next following the date of the increase. If you are in a level term rate period, premiums for the increased amount of insurance will be based on your attained age on the effective date of the increase.

Your ROA Level Term Life Plan will start on the first day of the month after your application has been approved by ReliaStar Life and your first premium has been paid.

Forms

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

Insurance Application and Brochure

Beneficiary Designation Form

Contact Us

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

Address Association Member Benefits Advisors 4050 NW 114th Street Urbandale, Iowa 50322
Phone 1-800-247-7988
Hours M-F 7:30a-5p CT
Email [email protected]

Insurance Company

ReliaStar Life Insurance Company Minneapolis, MN

FAQs

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Can coverage continue if I am out of the country?

Call the Plan Administrator for more details as coverage varies depending on the plan.
Can my spouse¹ obtain separate coverage?

Yes, a spouse¹ can obtain separate coverage.
Do I have to take a medical exam, blood test, etc.?

This depends on the plan you are requesting, your age, the amount of coverage for which you apply, and your individual medical history.
How do the rates work on the Level Term Life insurance plans?

Premiums are designed to remain level and will not increase due to age or health status. Premiums will only be increased if they are increased for all insureds in the same age and rate class and with 60 days advance written notice.
How long does the application process take? When will my coverage become effective?

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.
Who is the current insurance carrier and what is their rating?

ReliaStar Life Insurance Company is the insurance carrier of the ROA Group Level 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.

Association Member Benefits Advisors 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 https://web.ambest.com/home. 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 AMBA 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.

¹In OR, spouse includes domestic partner.

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

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

^†Premiums are based on your age at date of issue and will not increase due to your age or health status. The initial premium will not change for the first 10 (or 20) years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.

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.

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 and governed by its laws, to ROA as the policyholder. The group life insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota. The policy is powered on behalf of ReliaStar Life Insurance Company by AMBA, an insurance manager 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.

Group Level Term Life Insurance

Overview

You Are Also Eligible For The Following Services At No Additional Cost To You: