Group Accidental Death and Dismemberment (AD&D) Insurance

Group Accidental Death and Dismemberment (AD&D) Insurance  


As an ROA Member in good standing under age 70, you are guaranteed acceptance for up to a $500,000 Accidental Death and Dismemberment (AD&D) benefit, payable for a covered accident. Your spouse1 and children can be covered for a percentage of your chosen benefit. The plan also provides additional benefits (on top of the lump-sum benefit) such as seat belt usage, child care assistance and children's education to name a few.
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AD&D coverage is becoming a more popular way to supplement other insurance coverage you already have. And ROA Members are choosing the ROA Enhanced AD&D Plan for these important reasons:

  • It's Easy to Get - You're Guaranteed Acceptance: As an ROA Member under age 70, you're guaranteed this coverage. No health questions asked. No physical exam is required. This makes it much easier to get than some life and health insurance plans. Your spouse¹ and children under age 22 (26 if a full-time student) are guaranteed acceptance for this coverage, too!
  • Pays a Lump Sum Accidental Death Benefit: If you die from a covered accident, your loved ones can receive the benefit in one lump sum. No monthly or partial payments. Just one payment.
  • Economical Group Rates DON’T Increase With Age: Unlike many life insurance and medical plans that increase rates as you age, the ROA Enhanced AD&D plan's rates don't.


ROA Enhanced AD&D Insurance Plan
(Monthly Rates)

Benefit Amount

Member Rate

Member & Family Rate

















*You will be billed semi-annually. 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.

Benefits may be changed on a class basis. Rates shown are guaranteed until 10/31/2024.

Family Coverage

Because accidents can happen to anyone, ROA suggests you get maximum coverage for your loved ones. Your spouse1 and dependent children (under age 22, or under age 26 if a full-time student) are also guaranteed coverage. Your spouse's benefits are 40% of the benefit amount you choose and dependent child(ren)'s benefits are 10% of your benefit. If you are unmarried, each dependent child’s coverage will be 15% of your benefit. If you have no children, your spouse1 benefits are 50% of your coverage.

ADDITIONAL Benefits Included

With this enhanced plan, your loved ones can collect additional benefits on top of the lump sum benefit for specific situations. For example, your beneficiaries could receive extra benefits for the following:

  • Common Carrier Benefit: If your covered accidental death is a result of traveling as a fare paying passenger or boarding or debarking a licensed common carrier (plane, train, taxi, etc.), an additional 50% of the AD&D benefit (up to a maximum of $50,000) is payable.
  • Safe Driver Benefit: If you have a covered fatal car accident and were wearing a seat belt at the time, an additional 10% of the AD&D benefit (up to a maximum of $25,000) is payable (with safety belt only). This benefit increases to an additional 15% (up to a maximum of $40,000) if the car you were in or driving had factory installed airbags that operated properly upon impact (with safety belt and airbag).
  • Child Care Benefit: If you have children under age 13 in daycare, the plan pays an additional 3% (up to a maximum of $2,500) each year for up to six years for each child.
  • Children's Education Benefit: Your children can receive an additional 5% of the AD&D benefit (up to a maximum of $5,000) each year for up to four years to continue their education.

How Your ROA Enhanced Benefits Could Add Up:

Suppose an individual runs a red light and hits a member’s car head on and as a result, the member dies in a covered accident. The member has $100,000 in ROA Enhanced AD&D coverage and leaves behind a spouse1, twin daughters in child care and an older son in his first year of college. His family could collect:

  • $100,000 Lump Sum Accident Benefit
  • $40,000 Safe Driver Benefit
  • $15,000 Child Care Benefit for Child #1 ($2,500/year for 6 years)
  • $15,000 Child Care Benefit for Child #2 ($2,500/year for 6 years)
  • $20,000 Education Benefit for Child #3 ($5,000/year for 4 years)


$190,000 TOTAL ROA Enhanced AD&D Benefit Paid

Pays Benefits for Other Specific Losses too: If you lose some or all of your limbs, eyesight or hearing due to a covered accident, you can collect partial benefits. Your Certificate Schedule of Benefits will provide all the details.

Automatic Beneficiary: Your beneficiary for death benefits will be your legal spouse1, if living. If you have no spouse1, your beneficiary will be your child(ren), parents, or siblings, in that order. If you wish to make other beneficiary arrangements, please contact the Plan Administrator in writing. You are automatically the beneficiary for spouse1 and children coverage and for benefits other than death.


You may maintain your ROA Enhanced Group Accidental Death and Dismemberment Insurance coverage until age 80, as long as the Group Policy remains in force, you remain an ROA Member, and pay your premium on time. Coverage for your dependents terminates when your coverage ends, you stop paying premiums, or they are no longer eligible due to change in age, dependency, or marital status.


ReliaStar Life does not pay benefits for loss directly or indirectly caused by any of the following:

  • An accident occurring before the Effective Date of the Group Policy.
  • Suicide or intentionally self-inflicted injury, while sane or insane.
  • Physical or mental illness.
  • Bacterial infection or bacterial poisoning. Exception: Infection from a cut or wound caused by an accident.
  • Riding in or descending from an aircraft as a pilot or crew member.
  • Any armed conflict, whether declared as war or not, involving any country or government.
  • An accident which occurs when you commit or attempt to commit a crime.
  • Use of any drug, narcotic or hallucinogenic agent, unless prescribed by a doctor or taken as directed by a doctor or the manufacturer.
  • Your or your insured dependent's intoxication. Intoxication means your or your insured dependent's blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.


¹In OR, spouse includes domestic partner.


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 website and the group policy documents, the policy documents will govern.

AD&D 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 administered on behalf of ReliaStar Life Insurance Company by AMBA Administrators, Inc., 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.


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

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