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 spouse/domestic partner (DP) and children can be covered for a percentage of your chosen benefit. The coverage 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. This coverage is available to residents of the United States (except AR, FL, LA, ME, MD, MO, MT, NV, NH, NM, NY, NC, OH, OR, TX, UT, VT, WA and territories).

AD&D coverage is becoming a more popular way to supplement other insurance coverage you already have. And ROA Members are choosing ROA AD&D Insurance 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 spouse and children (under age 26) 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.
• Exclusively Priced Group Rates DON’T Increase With Age: Unlike many life insurance and medical plans that increase rates as you age, the ROA AD&D Insurance rates don't.

 

ROA AD&D Insurance 2025 Monthly Rates
Benefit Amount	Member Rate	Member & Family Rate
$100,000	$5.40	$7.50
$150,000	$8.10	$11.25
$200,000	$10.80	$15.00
$250,000	$13.50	$18.75
$500,000	$27.00	$37.50

 

*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.


The premium contributions shown reflect the current rate and benefit structure. Premium contributions may be changed by New York Life Insurance Company on any premium due date and any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insureds. For example, a class of insureds is a group of people all with the same issue age. Benefit option amounts are not guaranteed and are subject to change by agreement between New York Life Insurance Company and the Reserve Officers Association Insurance Trust d/b/a Reserve Organization of America.

 

Family Coverage

Because accidents can happen to anyone, ROA suggests you get maximum coverage for your loved ones. Your spouse/domestic partner and dependent children (under age 26) are also guaranteed coverage. Your spouse's/domestic partner'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 spouse/domestic partner benefits are 50% of your coverage.
 

ADDITIONAL Benefits Included

With this coverage, 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 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 AD&D coverage and leaves behind a spouse, 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 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: You may select any person, persons, trust or other legal entity as your beneficiary. If, at the time of your death, there are no surviving beneficiaries, benefits will be paid to the executor or administrator of your estate, or at the option of New York Life, to the surviving relatives in the following order of survival: spouse/domestic partner; children equally; parents equally; or brothers and sisters equally. The member is the beneficiary for spouse's/domestic partner's and children's coverage. If you wish to designate a different beneficiary, simply contact the Administrator at 1-800-247-7988 for a Beneficiary Form.

 

EFFECTIVE DATE

Insurance for you and your eligible dependents will become effective on the date specified by New York Life Insurance Company provided the initial contribution is paid within 31 days of the day you are billed and you and your approved dependents are actively performing the normal activities of a person in good health of like age on that date. Dependent insurance will not take effect unless your insurance is in effect on a premium paying basis, and any person who is not performing his/her normal activities as required will not become insured until the date he/she is performing such activities, provided such date is within three months of the date insurance would have been effective and the person is still eligible. (Payment of a premium contribution for insurance does not mean there is any coverage in force before the effective date as specified by New York Life Insurance Company.)

 

TERMINATION

You may maintain your ROA 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. For a dependent spouse, when he/she is no longer a lawful married spouse; for a dependent child, upon reaching age 26. A member's surviving spouse and children may continue coverage if it was in force at the time of the member's death, as described in the Certificate of Insurance.
 

EXCLUSIONS

Benefits will not be paid 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.

 

Certificate of Insurance

When you become insured, you will be sent a Certificate of Insurance summarizing your coverage. This web page contains only a brief description of some of the Policy's principal provisions and features. The complete terms and conditions including features, costs, eligibility, renewability, limitations and exclusions are set forth in the group policy issued by New York Life Insurance Company to the Reserve Officers Association Insurance Trust d/b/a Reserve Organization of America.

 

30-DAY FREE LOOK

When you receive your Certificate of Insurance, read it carefully. If you're not completely satisfied with the terms of your new insurance policy, simply return your Certificate, without claim, within 30 days and your premium will be promptly refunded, and your insurance will then be invalidated.

 

The ROA Insurance Trust incurs costs in connection with this sponsored policy. To provide and maintain this valuable membership benefit, it is reimbursed for these costs. ROA may also receive a fee for the license of its name and logo for use in connection with this policy.

 

Underwritten by New York Life Insurance Company, under Group Policy No. G-31333-0, on Policy Form GMR-FACE /G-31333-0.

 

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