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Group Level Term Life Insurance Plan

Military Officers Association of America (MOAA) offers a top-notch life insurance plan, the Group Level Term Life Insurance Plan, that is available only to Military Officers Association of America (MOAA) members and their spouse1.

Under the Military Officers Association of America's (MOAA) Level Term Life Plan, your rates don't increase due to your age. Your premiums - and your benefit level - are designed to stay constant.2
This plan also puts you in charge. You choose the amount of coverage you need and the length of time you need it (10,15 or 20 years). Your benefit level and your premium amount can stay the same.

1 Spouse includes domestic partner in the state of Oregon.
2 The initial premium will not change during the level term period 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.

Life Insurance coverage is provided under the terms of a group life insurance policy, Group Policies 68653-1, 68654-9 & 68655-7, issued and delivered in the state of Virginia to Military Officers Association of America as the policyholder. The group policies are sitused in the state of Virginia and are governed by its laws. The group life policies are issued by ReliaStar Life Insurance Company, a member of the Voya® family of companies, Minneapolis, Minnesota. The policies are administered on behalf of ReliaStar Life Insurance Company by Mercer Consumer, an insurance administrator licensed in the state of Virginia. Policy Form LP00GP. This is a paid endorsement. MOAA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.

These days, you can get life protection from almost anywhere; Internet quote services, insurance agents, employers, even from companies advertised on TV. With all these options, trying to select the best coverage is often difficult. But when it comes down to it, none of those plans likely fit your unique situation as an officer.
Military Officers Association of America (MOAA) realized plans available to the general public may not meet the special needs of officers. So, the Military Officers Association of America (MOAA) Level Term Life Insurance Plan offers top-notch life insurance available only to Military Officers Association of America (MOAA) members.
Under the Military Officers Association of America's (MOAA) Level Term Life Plan, your rates don't increase due to your age. Your premiums and your benefit level are designed to stay constant.2
This plan also helps put you in charge. You choose the amount of coverage you need and the length of time you need it (10,15 or 20 years). Your benefit level and your premium amount can stay the same.
For example, if you still have children at home, you may want to choose the 20-year option. That way, your Level Term Life coverage will last until your children have finished school. On the other hand, for stable life coverage for a shorter period maybe just until you retire, the 10-year option could be your best bet.
Military Officers Association of America's (MOAA's) Level Term Life Insurance Plan offers you many other benefits:

  • Benefit amounts available up to $500,000, depending on your age.
  • Your family may collect $2,500 immediately. At the time of your death, your family may collect $2,500 right away upon request to help cover immediate expenses, as long as your coverage has been in force for at least two years. The remaining life insurance benefits will be mailed as soon as the paperwork is accepted.
  • Your spouse1 can get the Level Term Life Insurance Plan, too. Today, most families rely on two incomes. That's why your spouse1 can also apply for the Military Officers Association of America (MOAA) Level Term Life Insurance Plan's benefits. (You may not find this with some plans, like Veterans' Group Life Insurance (VGLI).)
  • You don't have to worry about military exclusions. This plan is designed for Military Officers Association of America (MOAA) members. You can rely on it to help protect you even if you serve on active duty or in the reserves. The only exclusion is suicide within the first two years of coverage or increase in coverage begins. Benefits paid for death caused by suicide while sane or insane within the first two years of the effective date of the insurance are limited to a refund of the premiums paid for the insured's insurance.
  • Voya Travel Assistance Service.3 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 program can provide pre-trip information and can help you deal with potential problems you may have while traveling at no additional cost to you. 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 & Concierge Service.4 In the event of your death, your surviving spouse1 and children (under age 26) are eligible for funeral planning assistance from trained advisors at no additional cost to you.
  • You can collect up to 50% of your benefits if you’re Terminally Ill. If your doctor diagnoses you with a life expectancy of twelve months or less, you can collect up to 50% of your life insurance benefits before you die to use however you wish. Receipt of accelerated life insurance benefits may be taxable. Seek assistance from your personal tax advisor for more information.
  • You'll pay no premiums if you're disabled. If you become Totally Disabled, as defined in the Certificate, while covered under the Level Term Life Insurance Plan, your premiums will be waived during your Total Disability as long as your Total Disability begins before age 60 and you have been Totally Disabled for at least six consecutive months.
  • You'll pay economical group rates. You have the buying power of more than 380,000 Military Officers Association of America (MOAA) members to help keep the premiums economical.
10-Year -- $10,000 Benefit (Monthly rates)
  Preferred Non-Tobacco Standard Non-Tobacco Standard Tobacco
Issue Age Male  Female Male  Female Male  Female
30 0.70 0.65 0.91 0.79 1.38 1.15
31 0.71 0.67 0.93 0.81 1.39 1.17
32 0.75 0.68 0.95 0.83 1.41 1.20
33 0.77 0.70 0.98 0.86 1.45 1.22
34 0.80 0.73 1.01 0.87 1.49 1.27
35 0.83 0.75 1.04 0.89 1.54 1.32
36 0.85 0.76 1.05 0.91 1.59 1.40
37 0.86 0.77 1.07 0.92 1.67 1.50
38 0.87 0.77 1.09 0.93 1.75 1.61
39 0.89 0.78 1.10 0.95 1.85 1.72
40 0.92 0.80 1.13 0.97 1.99 1.83
41 0.95 0.83 1.15 1.00 2.16 1.91
42 0.97 0.86 1.19 1.04 2.39 1.99
43 1.01 0.90 1.23 1.09 2.63 2.08
44 1.04 0.94 1.28 1.13 2.89 2.18
45 1.09 0.99 1.32 1.19 3.16 2.30
46 1.12 1.04 1.37 1.24 3.45 2.45
47 1.16 1.08 1.42 1.31 3.74 2.63
48 1.22 1.13 1.49 1.39 4.06 2.83
49 1.27 1.18 1.57 1.46 4.40 3.04
50 1.35 1.23 1.68 1.52 4.78 3.27
51 1.46 1.27 1.82 1.58 5.18 3.51
52 1.58 1.31 1.99 1.63 5.62 3.76
53 1.71 1.36 2.18 1.69 6.11 4.05
54 1.87 1.41 2.39 1.76 6.67 4.37
55 2.04 1.47 2.61 1.85 7.29 4.72
56 2.22 1.54 2.84 1.94 7.97 5.10
57 2.43 1.61 3.09 2.05 8.75 5.54
58 2.65 1.71 3.37 2.21 9.63 6.02
59 2.90 1.87 3.68 2.43 10.63 6.58
60 3.17 2.09 4.04 2.73 11.75 7.21
61 3.47 2.39 4.46 3.12 13.01 7.91
62 3.80 2.75 4.94 3.61 14.44 8.70
63 4.17 3.19 5.49 4.20 16.03 9.59
64 4.57 3.71 6.08 4.91 17.82 10.57
65 5.02 4.33 6.76 5.73 19.82 11.66
66 5.72 4.93 7.70 6.53 22.50 13.28
67 6.47 5.57 8.70 7.38 25.42 15.01
68 7.25 6.24 9.75 8.26 28.46 16.81
69 8.12 6.98 10.92 9.25 31.88 18.83
15-Year -- $10,000 Benefit (Monthly rates)
  Preferred Non-Tobacco Standard Non-Tobacco Standard Tobacco
Issue Age Male  Female Male  Female Male  Female
30 0.71 0.66 0.93 0.81 1.67 1.28
31 0.73 0.68 0.95 0.83 1.69 1.30
32 0.76 0.69 0.97 0.86 1.71 1.31
33 0.78 0.71 1.00 0.87 1.75 1.34
34 0.81 0.74 1.03 0.90 1.78 1.38
35 0.85 0.77 1.05 0.93 1.85 1.43
36 0.86 0.78 1.08 0.95 1.94 1.51
37 0.89 0.80 1.10 0.97 2.05 1.61
38 0.92 0.82 1.13 0.99 2.20 1.73
39 0.95 0.85 1.16 1.03 2.37 1.86
40 0.99 0.87 1.22 1.07 2.57 2.00
41 1.04 0.92 1.29 1.12 2.78 2.14
42 1.09 0.96 1.37 1.18 3.03 2.30
43 1.14 1.02 1.47 1.24 3.33 2.48
44 1.22 1.08 1.58 1.31 3.67 2.67
45 1.28 1.15 1.71 1.40 4.07 2.92
46 1.36 1.22 1.86 1.49 4.53 3.19
47 1.45 1.31 2.04 1.60 5.04 3.49
48 1.55 1.40 2.24 1.72 5.63 3.84
49 1.67 1.49 2.44 1.84 6.26 4.22
50 1.79 1.56 2.59 1.94 6.95 4.62
51 1.92 1.61 2.71 2.01 7.69 5.05
52 2.08 1.67 2.81 2.08 8.50 5.51
53 2.27 1.73 2.95 2.17 9.38 6.01
54 2.53 1.82 3.19 2.30 10.32 6.54
55 2.85 1.96 3.55 2.50 11.34 7.12
56 3.11 2.18 3.85 2.80 12.42 7.73
57 3.45 2.43 4.26 3.16 13.59 8.39
58 3.84 2.73 4.71 3.59 14.88 9.11
59 4.21 3.07 5.25 4.09 16.28 9.87
60 4.73 3.47 5.86 4.65 17.82 10.72
61 5.58 4.09 6.91 5.49 21.02 12.65
62 6.70 4.91 8.30 6.59 25.23 15.17
63 8.17 5.99 10.13 8.04 30.78 18.51
64 9.97 7.30 12.36 9.80 37.55 22.59
65 12.17 8.90 15.08 11.96 45.81 27.56
20-Year -- $10,000 Benefit (Monthly rates)
  Preferred Non-Tobacco Standard Non-Tobacco Standard Tobacco
Issue Age Male  Female Male  Female Male  Female
30 0.81 0.70 0.99 0.87 1.94 1.57
31 0.82 0.71 1.01 0.89 1.94 1.58
32 0.85 0.74 1.04 0.92 1.95 1.60
33 0.86 0.77 1.07 0.94 1.97 1.61
34 0.89 0.79 1.11 0.97 2.02 1.63
35 0.93 0.82 1.14 1.01 2.11 1.68
36 0.95 0.85 1.18 1.04 2.26 1.76
37 0.99 0.88 1.22 1.08 2.45 1.85
38 1.03 0.92 1.26 1.13 2.69 1.97
39 1.07 0.95 1.32 1.18 2.96 2.12
40 1.13 1.01 1.38 1.23 3.29 2.28
41 1.20 1.07 1.45 1.31 3.64 2.45
42 1.28 1.13 1.53 1.38 4.03 2.66
43 1.37 1.22 1.62 1.46 4.46 2.88
44 1.47 1.31 1.73 1.56 4.92 3.14
45 1.57 1.40 1.85 1.67 5.41 3.43
46 1.68 1.50 1.99 1.79 5.90 3.76
47 1.81 1.61 2.13 1.94 6.43 4.14
48 1.94 1.74 2.31 2.10 6.98 4.55
49 2.12 1.86 2.54 2.26 7.59 5.00
50 2.30 1.99 2.81 2.42 8.24 5.51
51 2.53 2.12 3.14 2.57 8.96 6.06
52 2.79 2.25 3.54 2.73 9.73 6.66
53 3.08 2.39 4.00 2.89 10.57 7.33
54 3.40 2.54 4.52 3.06 11.48 8.06
55 3.69 2.69 5.11 3.25 12.48 8.87
56 4.12 2.99 5.66 3.63 14.43 9.25
57 4.56 3.34 6.21 4.10 15.83 10.46
58 5.00 3.74 6.75 4.65 17.23 11.87
59 5.43 4.21 7.29 5.30 18.60 13.51
60 5.85 4.75 7.83 6.04 19.97 15.40

Your rate for the entire term of your protection is the rate for your age at the time coverage is issued.
For a $50,000 benefit amount, multiply the rates by 5. For a $100,000 benefit amount, multiply by 10, etc.
For rates for ages below 30 and above 60, call 1-800-247-2192. The maximum age to apply for the 10-year option is 69. For the 15-year option, the maximum age to apply is 65. For the 20-year option, the maximum age to apply is 60.
Rates shown are as of March 1, 2017

Your age determines the maximum amount of coverage you can apply for:
Age Maximum benefit available
Under Age 55 $500,000
55-59 $250,000
60-64 $150,000
65-69 $75,000

You qualify for non-tobacco rates if you haven't used tobacco/nicotine in the past 12 months. Non-tobacco users meeting the highest underwriting standards may qualify for the “Preferred” rates. Other non-tobacco users may qualify for “Standard” rates. For your convenience, you'll be billed quarterly. The rates for the Military Officers Association of America (MOAA) Level Term Life Insurance Plan are designed to remain level for the entire period. The initial premium will not change during a level term rate period, 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.

Your Military Officers Association of America (MOAA) Level Term Life Insurance Plan will become effective on the first day of the month after your application has been approved by the insurer and your first premium is received.
The only exclusion to the coverage is suicide within the first two years of coverage or increase in coverage begins. Benefits paid for death caused by suicide, while sane or insane, within the first two years of the effective date of the insurance are limited to a refund of the premiums paid for the insured's insurance.
Your spouse1 will automatically be the beneficiary for your Level Term Life Insurance Plan. If your spouse1 is no longer living, your benefits will be paid to your children, parents, brothers and sisters, or estate (in that order). You will automatically be the beneficiary for your spouse's1 insurance. If you'd like to designate a different beneficiary, contact the plan administrator.
Your Level Term Life Insurance Plan will continue as long as you maintain your Military Officers Association of America (MOAA) membership, pay your premiums when due, your term of coverage has not expired and the Group Policy stays in force. Your spouse1 can keep his or her coverage for as long as their premiums are paid on time, their term of coverage has not expired, the Group Policy stays in force and they are not legally separated or divorced from you.
At the end of the level term period, evidence of insurability is required to enter another level term period (subject to the maximum age to begin a level term period). If evidence of insurability is not provided or not approved by ReliaStar Life, coverage, up to $50,000, will be moved to the MOAA Group Annual Term Life Insurance Plan and rates will be based on the five-year age brackets for the insured’s current age under rates and provisions of that plan.

Details – This is a listing of highlights for this Insurance plan. Be sure to review the entire website for a detailed plan description.

Type of Insurance: Group Level Term Life Insurance
Designed For: Military Officers Association of America (MOAA) members and dependents
Underwritten by: ReliaStar Life Insurance Company, a member of the Voya® family of companies.
Policy Form Number: LP00GP
Policy Number: 68653-1 (10-year), 68654-9 (15-year), 68655-7 (20-year)
Issue Ages: Through age 69
Coverage Amounts: Max based on age:
Under Age 55: $500,000
55-59: $250,000
60-64: $150,000
65-69: $ 75,000
The maximum age to apply for the 10-year option is 69. For the 15-year option, the maximum age to apply is 65. For the 20-year option, the maximum age to apply is 60.
Rate Schedule: Although the rates are designed to remain level for the entire period, ReliaStar Life reserves the right to increase or decrease the rates to preserve the stability of the plan.
Non-tobacco Rates: You qualify for non-tobacco rates if you haven't smoked cigarettes, cigars or used a pipe or chewing tobacco, nicotine product or snuff during the 12 months prior to the date you apply for coverage.

1 Spouse includes domestic partner in the state of Oregon.
2 The initial premium will not change during the level term period 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.
3 Voya Travel Assistance Services provided by Europ Assistance USA, Bethesda, MD 20814.
4 Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX 77056.


In order to become insured, evidence of insurability satisfactory to the insurer, must be provided and the required premium must be paid.
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.

Insurance coverage and availability may differ by state. For complete plan details, please contact the Program Administrator, MOAA Insurance Plans at 1-800-247-2192, Monday-Friday, 7:30 a.m. - 5:00 p.m. and Saturday-Sunday 8:00 a.m. - 5:00 p.m. Central Time.

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

You can keep your Military Officers Association of America (MOAA) Level Term Life coverage for as long as you want no matter what your health as long as you remain a Military Officers Association of America (MOAA) member, pay your premiums on time, your term has not expired and the Group Policy stays in force.

Your spouse's1 coverage will remain in effect as long as their term has not expired, premiums are paid, and they meet the eligibility requirements.

At the end of your level term period, your benefit amount, up to $50,000, will automatically continue under the annual renewable rate structure under the provisions of the MOAA Leader Group Term Life Insurance Plan.

1Spouse includes domestic partner in the state of Oregon.

Military Officers Association of America (MOAA) members and spouses1 under age 70 are eligible to apply.

The amount of coverage you can apply for depends on your age.

1Spouse includes domestic partner in the state of Oregon.

Age Plan
Under age 70 10-year plan
Under age 66 15-year plan
Under age 61 20-year plan
Age Benefit Amount
Under age 55 $500,000
55-59 $250,000
60-64 $150,000
65-69 $75,000

You can apply for this Insurance over the Internet and the mail. You can review the materials in the privacy of your home and once your application is approved, purchase your Insurance directly through the mail without meeting with an agent. You can, of course, talk to a customer service representative if you’d like by calling 1-800-247-2192.

You qualify for non-tobacco rates if you haven't used tobacco or nicotine products during the 12 months prior to the date you apply for coverage. Non-tobacco users meeting the highest underwriting standards may qualify for the Preferred (the plan's best) rates.

If you have dependents, consider buying enough life insurance so that, when combined with other sources of income, it will help replace the income you now generate for them, plus enough to help offset any additional expenses they will incur to replace services you provide. Also, your family might need extra money to make some changes after you die. For example, they may want to relocate, or your spouse1 may need to go back to school to be in a better position to help support the family.

1Spouse includes domestic partner in the state of Oregon.

Your Level Term Life protection will start on the first day of the month after your application has been approved by the insurer and your first premium has been paid. If you send a check with your application, your Level Term Life coverage will begin on the first day of the month after your application is approved.

To apply online click on the “Get a Quote Now!” button. Or, you can choose to download an application.

You will have 30 days from the date coverage is effective to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, provided no claims have been submitted or paid.

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

Request for Change of Beneficiary

Level Term Life Application Form



Download Adobe Acrobat Reader

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

Program Administrator:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-247-2192
Hours: 7:30 am to 5 pm Monday-Friday and 8 am to 5 pm Saturday-Sunday (Central)

Email: moaa.service@mercer.com
Website: www.mercer.com

Insurance Company:

ReliaStar Life Insurance Company
20 washington Ave S
Minneapolis, MN 55401

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