As an ROA Member, you may qualify for the Simplified Issue Level 10–Year Group Term Life Insurance offered by ReliaStar Life Insurance Company and endorsed by ROA. ROA has released this simplified application procedure for one of its premier member benefits.

As an ROA Member, you and your spouse¹ can now take advantage of a simplified application procedure for up to $100,000.00 (under age 55) or $50,000.00 (under age 60) in lump sum benefits under the ROA Simplified Issue 10–Year Group Term Life Insurance Plan. This means you will not have to submit to a full medical exam or provide blood work to be approved for coverage. Plus, your affordable group rates are not available to the general public.

Apply now and enjoy premiums that are designed to remain level for 10 years.^†
 

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!
• Funeral Planning, Will Prep & Concierge Service.** Offers you and your family access to funeral planning assistance and negotiation at the time of need as well as pre-planning tools and Will Prep services that can be used to research and document decisions and wishes.

Three Reasons to Choose ROA Level Term Life Insurance

• Your rates and benefit amount are designed to stay the same for 10 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 Simplified Issue 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^.†

Rates shown are as of 11/1/2023.

^†Premiums are based on your age at the date of issue and will not increase due to your age or health status. Premiums will only be increased for all insureds in the same age and rate class. 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 advanced written notice.

If you choose the optional Accidental Death & Dismemberment (AD&D) beneft, 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 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 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 $50,000.00 to $100,000.00. If you are under age 55, you may select up to $100,000.00 of benefits (in $5,000.00 increments). You can apply for up to $50,000.00 in coverage if you are under age 60. To obtain a rate quote for other ages, benefit amounts, or additional information on the 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 under age 55 for $100,000.00 of coverage or under age 60 for $50,000.00 of coverage.
• You must be actively at work.
• You cannot already be insured by this plan.

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.
 

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 Level Term Rate Period when proof of good health is required.
 

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.
 

¹In OR, spouse includes domestic partner.
 

*Voya Travel Assistance services provided by International Medical Group, Indianapolis, IN. 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 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.