Group Term Life Insurance

Group Term Life Insurance  


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


You are also eligible for the following services at no additional cost to You:

  • 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. 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!
  • Bereavement Support, including Funeral Planning and Will Preparation.** In the event of an insured’s death, these services, provided at no additional cost to you, gives you and your family access to bereavement support, funeral planning assistance and will preparation services, including health care directives, that can be used to research and document decisions and wishes.


How to Apply

To apply for coverage, download an application by clicking on the Insurance Application and Brochure link, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.


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


Insurance Application and Brochure

Beneficiary Designation Form

Tell Me More

ROALife Benefit Notification

As a member in good standing in ROA, you can qualify to apply for ROALife Group Term Life insurance.


    Member Spouse1
BENEFIT AGE Nontobacco Tobacco Nontobacco Tobacco
$25,000 Under 30 $0.95 $0.95 $0.72 $0.95
30-34 1.43 1.67 1.19 1.19
35-39 1.90 2.14 1.67 1.90
40-44 2.85 3.33 2.38 2.85
45-49 5.23 5.94 4.28 4.99
50-54 8.55 9.74 7.13 8.32
55-59 14.02 16.15 11.88 13.54
60-64 20.90 24.23 17.58 20.19
$50,000 Under 30 $1.90 $1.90 $1.43 $1.90
30-34 2.85 3.33 2.38 2.38
35-39 3.80 4.28 3.33 3.80
40-44 5.70 6.65 4.75 5.70
45-49 10.45 11.88 8.55 9.98
50-54 17.10 19.48 14.25 16.63
55-59 28.03 32.30 23.75 27.08
60-64 41.80 48.45 35.15 40.38
$100,000 Under 30 $3.80 $3.80 $2.87 $3.80
30-34 5.70 6.67 4.77 4.77
35-39 7.60 8.57 6.67 7.60
40-44 11.40 13.30 9.50 11.40
45-49 20.90 23.77 17.10 19.97
50-54 34.20 38.97 28.50 33.27
55-59 56.07 64.60 47.50 54.17
60-64 83.60 96.90 70.30 80.77


Other benefit amounts are available. Please call administrator for amounts and rates.


Coverage of $10,000 is available for your children at a monthly rate of $2.00. One premium covers all eligible children 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.


Premiums are based on your age at date of issue and increase on renewal dates as indicated above. Your rates will not change unless they are changed for all insureds in your classification. Rates shown are guaranteed to 10/31/2024. Your amount of insurance will decrease to the lesser of 50% or $50,000 on the Policy Anniversary date on or after your 70th birthday. Coverage terminates at age 75.


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.


Qualifications for this ROALife Group Term Life insurance offer are few:

  • You must be an ROA member under 60 years of age.
  • You must be actively at work.
  • Your cannot already be insured by this plan.


Coverage as long as you need it

The only way you can lose your coverage is if the entire group policy is terminated, you quit being an ROA member, or you fail to pay your premiums when due. (You can never be singled out and cancelled because of poor health.)


Accidental Death and Dismemberment Insurance Benefit Option

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

Contact Us

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

4050 114th Street
Urbandale, Iowa 50322
 M-F 7:30a-5p CT
[email protected]


Insurance Company

ReliaStar Life Insurance Company
Minneapolis, MN


  • Can my spouse get separate coverage?

    Yes, a spouse1 can obtain separate coverage.
  • How can I learn more about this plan?

    To learn more about the Group Term Life Plan, contact AMBA toll-free at 1-800-247-7988, or download an application and brochure.
  • How long does the application process take?

    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.
  • Who is AMBA?

    AMBA is the company contracted to manage the Group Insurance Program. AMBA is not affiliated with the insurance companies that underwrite each plan.
  • Who is the current insurance carrier and what is their rating?

    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.

    AMBA 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 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 International Medical Group, Indianapolis, IN. Services not available in OR.

**Bereavement Support, including Funeral Planning & Will Preparation services are provided by The Empathy Project, Inc., New York, NY. Provisions and availability of each service may vary by state.

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.