Senior Group Term Life Insurance

Senior Group Term Life Insurance  


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



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

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 10/31/2021.

*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 ROA, 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).


1In OR, spouse includes domestic partner.


*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 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. Group Term Life Insurance is underwritten by ReliaStar Life Insurance Company. Policy form LP08GP.


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 ROA 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.


This is a paid endorsement. ROA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.

Contact Us

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

Administered by:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 M-F 7:30a-5p CT


Underwritten by:

ReliaStar Life Insurance Company
Minneapolis, MN


Answers about the program, including eligibility, options, customer service and more.

  • Can my spouse¹ obtain separate coverage?

    Yes, a spouse1 can obtain separate coverage.

    1In OR, spouse includes domestic partner.

  • Do I have to take a medical exam, blood test, etc.?

    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.
  • 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 Mercer Consumer, the Administrator of the Program?

    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.
  • Who is the current insurance carrier and what is its rating?

    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.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.