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Joint Group Term Life Insurance

The Military Officers Association of America (MOAA) "2-in-1" Plan is a Joint Group Term Life Insurance Plan. You and your spouse1 are both insured for the same benefit amount, it just means it pays the benefit you select on whoever dies first, you or your spouse1.

Your children ages 15 days to under 6 months are eligible for $1,000 in coverage. Your children ages 6 months to 21 years (or 25 if enrolled full-time in an institution of higher learning) are eligible for $10,000 in coverage.

1 Spouse includes domestic partner in the state of Oregon.

Life Insurance coverage is provided under the terms of a group life insurance policy, Group Policy 68656-5, issued and delivered in the state of Virginia to Military Officers Association of America as the policyholder. The group policy is sitused in the state of Virginia and is governed by its laws. The group life policy is issued by ReliaStar Life Insurance Company, a member of the Voya® family of companies, Minneapolis, Minnesota. The policy is 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.

Right now, look around your home and picture it without you. If something happened to you or your spouse1, is your family in a position to maintain their current lifestyle? Sure, you try to put away a little money for a rainy day. But it's tough. The dollar just isn't what it used to be and your family needs money to survive.

Fortunately, Military Officers Association of America (MOAA) has a solution with the Military Officers Association of America (MOAA) "2-in-1" Joint Term Life Insurance Plan.

What is the Military Officers Association of America (MOAA) "2-in-1" Plan and how does it work?

The Military Officers Association of America (MOAA) "2-in-1" Plan is a Joint Group Term Life Insurance Plan. You and your spouse1 are both insured for the same benefit amount it just means it pays the benefit you select on whoever dies first you or your spouse1.

Your family's joint term insurance ends at that point. Of course, remaining family members can continue their Military Officers Association of America (MOAA) Life coverage under Military Officers Association of America's (MOAA's) Leader Group Term Life Plan after the death of you or your spouse1. The remaining spouse1 just needs to notify the Plan Adminstrator of this change within 31 days.

Plus, this program includes an important feature that doubles your benefits if you and your spouse1 die within 31 days of each other. For example, if you choose the $100,000 plan, your beneficiary collects $200,000 ($100,000 for each life).

Why the Military Officers Association of America (MOAA) "2-in-1" Plan could be better for my family than other life insurance plans available today?

The Military Officers Association of America (MOAA) "2-in-1" Plan is not like many other life plans. Many life plans today make you buy separate coverage for you and your spouse1 which may cost you twice as much. With the Military Officers Association of America (MOAA) "2-in-1" Plan, you get coverage for both you and your spouse1 in one plan.

The Military Officers Association of America (MOAA) "2-in-1" Plan may cost less than the price of two separate plans. Plus, the Plan was custom-designed for Military Officers Association of America (MOAA) members and offers benefits you may not find anywhere else.

Will it help protect my family even if I'm on active duty or in the reserves?

Yes. Military Officers Association of America (MOAA) made sure of that. Unlike many plans on the market, even some from other military associations, the Military Officers Association of America (MOAA) "2-in-1" Plan does not have exclusions for war or flying in a military aircraft. You're covered no matter what ... 24 hours a day ... active duty, retired or in the reserves. As a matter of fact, the only exclusion is suicide within the first two years of coverage or increase in coverage.

How much insurance can my spouse1 and I get?

Benefit amounts from $50,000 to $350,000 are available. The age of the older spouse1 determines the maximum benefit amount available to you and your spouse1.

Age Maximum benefit available
Under Age 55 $350,000
55-59 $200,000
60-64 $150,000
65-69 $75,000

Affordable Group Rates

Monthly Group Rates
Table A: Non-Tobacco (Age difference is five years or less)
Oldest Applicant's Age $50,000 Benefit $100,000 Benefit
20-24 $2.45 $4.90
25-29 2.20 4.40
30-34 3.40 6.80
35-39 5.95 11.90
40-44 8.35 16.70
45-49 12.90 25.80
50-54 24.50 49.00
55-59 28.30 56.60
60-64 49.80 99.60
65-69 103.15 206.30
Table B: Non-Tobacco (Age difference is greater than five years)
Oldest Applicant's Age $50,000 Benefit $100,000 Benefit
20-24 $2.35 $4.70
25-29 2.20 4.40
30-34 2.85 5.70
35-39 4.65 9.30
40-44 7.00 14.00
45-49 11.20 22.40
50-54 20.20 40.40
55-59 27.15 54.30
60-64 42.45 84.90
65-69 85.45 170.90
Table C: Tobacco (Age difference is five years or less)
Oldest Applicant's Age $50,000 Benefit $100,000 Benefit
20-24 $2.75 $5.50
25-29 2.45 4.90
30-34 3.80 7.60
35-39 6.55 13.10
40-44 9.30 18.60
45-49 15.55 31.10
50-54 29.50 59.00
55-59 33.95 67.90
60-64 70.10 140.20
65-69 121.75 243.50
Table D: Tobacco (Age difference is greater than five years)
Oldest Applicant's Age $50,000 Benefit $100,000 Benefit
20-24 $2.65 $5.30
25-29 2.45 4.90
30-34 3.20 6.40
35-39 5.10 10.20
40-44 7.75 15.50
45-49 13.15 26.30
50-54 24.30 48.60
55-59 32.60 65.20
60-64 57.45 114.90
65-69 105.05 210.10

Rates shown are guaranteed until March 1, 2018. $1 a month insures all your eligible children. Children 15 days to under 6 months are eligible for $1,000 in coverage and children 6 months to 21 years (or 25 if enrolled full-time in an institution of higher learning) are eligible for $10,000 in coverage.
Age and Tobacco status are obtained based on oldest covered individual.

NON-TOBACCO RATES: If the older applicant is a non-tobacco user (non-tobacco user means a person who has not used tobacco/nicotine during the 12 months prior to the date he or she applied for coverage) and the difference between your ages is 5 years or less, refer to TABLE A for your monthly rate. If you're more than 5 years in age apart, refer to TABLE B.

TOBACCO RATES: If the older applicant is a tobacco user (tobacco user means a person who has used tobacco/nicotine during the 12 months prior to the date he or she applied for coverage) and the difference between your ages is 5 years or less, refer to TABLE C. If you're more than 5 years in age apart, refer to TABLE D.

For your convenience, you'll be billed quarterly. Premiums increase upon entry into a new 5-year age bracket. You cannot be singled out for a rate increase or a change in benefits and we will notify you in advance in writing of any changes. Note: Other benefit levels are available. For rates, please call 1-800-247-2192.

How soon will our Military Officers Association of America (MOAA) "2-in-1" Plan begin?
Once your application is approved by the insurer, your insurance will start on the first of the month following the approval date of your application and the receipt of your first premium payment.

Are there other valuable benefits and services?

Yes. There are variety of benefits and services available under this plan.

  • You can tap into your benefits before you die if you or your spouse1 becomes Terminally Ill. If your doctor certifies that you have less than twelve months to live, you can collect up to 50% of your life insurance benefits before you die. You may use this money however you want. Receipt of this benefit may be taxable. Please contact your tax advisor for more information.
  • Voya Travel Assistance Service.2 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 it 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.
  • Funeral Planning & Concierge Service.3 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.

Who will collect benefits? If you die first, your spouse1 will automatically collect all the benefits. If your spouse1 dies first, then you collect the benefits. If you wish to designate a different beneficiary, please contact the plan administrator.
As a valuable benefit to Military Officers Association of America (MOAA) members and their families, your family can immediately collect $2,500 to use as they see fit for plane tickets for family members, phone calls to relatives, or to help tie up loose ends. This valuable "advance benefit" will be sent to your family upon request, after notification of the death of you or your spouse1, as long as your insurance has been in force for at least two years. The remaining life insurance benefits will be paid as soon as the rest of the paperwork is completed.

Can our coverage be canceled if either of us gets sick?

No. Your coverage continues as long as:

  • You remain a Military Officers Association of America (MOAA) Member.
  • You pay your premiums when due.
  • You and your spouse1 are living and are under age 70.
  • The Group Policy remains in force.
  • You remain married.

Your children's coverage will continue to age 21 (25 for full-time students) as long as you keep your Military Officers Association of America (MOAA) insurance in force.

Will we have to pay premiums if one of us becomes disabled?

No. If either you or your spouse1 becomes Totally Disabled, as defined in the certificate, while you're insured by the Military Officers Association of America (MOAA) "2-in-1" Life Plan, your full Military Officers Association of America (MOAA) benefits continue, and you owe nothing during the period of Total Disability. This is as long as the Total Disability begins before your or your spouse's1 60th birthday, continues while you are covered under this group policy, and is caused by injury or disease which prevents you or your spouse1 from engaging in any occupation or profession for wage or profit and exists continuously for six months.

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: Joint Group 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: 68656-5
Issue Ages: Through age 69
Coverage Amounts: Max based on age of older spouse1
Under Age 55: $350,000
55-59: $200,000
60-64: $150,000
65-69: $ 75,000  
Rate Schedule: Premiums are based on age at issue, and premiums increase upon entry into a new 5-year age bracket.
Children’s Insurance: Your children ages 15 days to under 6 months are eligible for $1,000 in coverage. Your children ages 6 months to 21 years (or 25 if enrolled full-time in an institution of higher learning) are eligible for $10,000 in coverage. 

1 Spouse includes domestic partner in the state of Oregon.

2 Voya Travel Assistance Services provided by Europ Assistance USA, Bethesda, MD 20814.

3 Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX 77056.

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.

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

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.

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

You and your spouse1 are both insured for the same benefit amount; it just means it pays the benefit you select on whoever dies first: you or your spouse.1

Your children ages 15 days to under 6 months are eligible for $1,000 in coverage. Your children ages 6 months to 21 years (or 25 if enrolled in an institution of higher learning) are eligible for $10,000 in coverage.

1 Spouse includes domestic partner in the state of Oregon.

If you have dependents, buy 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.

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 by the insurer, 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.

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

If you haven’t used any tobacco products in the last 12 months, you qualify for rates even lower than the regular group rates.

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



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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 M-F and 8 am to 5 pm Saturday & Sunday (Central)

Email: moaa.service@mercer.com
Website: http://www.mercer-web.com/products/mercerhealthbenefits.html

Insurance Company:

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

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