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Youth Group Term Life Insurance Plan

With the Military Officers Association of America (MOAA) Youth Group Term Life Insurance Plan, you can provide insurance coverage for the special children in your life.

Your children and grandchildren age 15 days to 20 years old may qualify for MOAA Youth Life coverage in benefit amounts up to $10,000.

Life Insurance coverage is provided under the terms of a group life insurance policy, Group Policy 68657-3, 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.

With the Military Officers Association of America (MOAA) Youth Group Term Life Plan, you can provide insurance coverage for the special children in your life until they reach age 23 (or 25 if a full-time student and dependent on the member for support and maintenance).

Help protect all the children in your family

Your children and grandchildren age 15 days to 20 years old may qualify for Military Officers Association of America (MOAA) Youth Life coverage in benefit amounts up to $10,000.

Inexpensive price

For each child, you pay just a one-time premium of $75 for the $2,000 Youth Life Benefit Amount, $150 for the $5,000 Youth Life Benefit Amount, or $300 for the $10,000 Youth Life Benefit Amount, it's your choice.

Protection that grows as they grow

Every birthday makes this coverage more valuable. The Benefit Amount begins modestly at $1,000, $2,500, or $5,000 depending on what benefit amount you choose. After that, the Benefit Amount increases every year. The Military Officers Association of America (MOAA) Youth Life coverage keeps growing until age 23 when your children are insured for $2,000, $5,000 or $10,000. The following table shows how the benefit amount grows each year.

Face Value
Attained
Age
$2,000
Benefit
$5,000
Benefit
$10,000
Benefit
15 days - 1 year $1,000 $2,500 $5,000
2 $1,050 $2,625 $5,250
3 $1,100 $2,750 $5,500
4 $1,150 $2,875 $5,750
5 $1,200 $3,000 $6,000
6 $1,250 $3,125 $6,250
7 $1,300 $3,250 $6,500
8 $1,350 $3,375 $6,750
9 $1,400 $3,500 $7,000
10 $1,450 $3,625 $7,250
11 $1,500 $3,750 $7,500
12 $1,550 $3,875 $7,750
13 $1,600 $4,000 $8,000
14 $1,650 $4,125 $8,250
15 $1,700 $4,250 $8,500
16 $1,750 $4,375 $8,750
17 $1,800 $4,500 $9,000
18 $1,850 $4,625 $9,250
19 $1,900 $4,750 $9,500
20 $1,950 $4,875 $9,750
21-22 $2,000 $5,000 $10,000
23 Guaranteed option to purchase $10,000 or $20,000* of whole life insurance

Conversion Privilege for coverage as adults

Today, many young Americans who reach adulthood cannot get life insurance because of an illness or injury they had as children or because of conditions in their work environment. Others must pay higher premiums to get the life coverage they need to protect their family.

Through the Military Officers Association of America (MOAA) Youth Group Term Life Insurance Plan, you can help build a foundation for your children's and grandchildren's future. At age 23 (or age 25 if the child is a full-time student dependent on the member for support and maintenance), your children will be given the guaranteed option to change their Military Officers Association of America (MOAA) Youth Life insurance to $10,000 or $20,000* of individual whole life insurance with cash values purchased directly from ReliaStar Life Insurance Company. The child will need to notify the plan administrator within 31 days of turning age 23. Additional premiums will be charged for coverage under the whole life policy.

*$20,000 conversion privilege available only with $5,000 and $10,000 Military Officers Association of America (MOAA) Youth Group Term Life Insurance Plans.

Additional Plan Services

  • Voya Travel Assistance Service.1 This service is available if the insured child is traveling (more than 100 miles from home — even abroad) and they're in an accident, lose their passport or need other assistance. This program can provide pre-trip information and can help deal with potential problems they may have while traveling at no additional cost to you
  • Funeral Planning & Concierge Service.2 In the event of the insured child's death, surviving parents are eligible for funeral planning assistance from trained advisors at no additional cost to you.

When coverage begins

Your children's or grandchildren's coverage in the Military Officers Association of America (MOAA) Youth Life Insurance Plan will begin on the first day of the month following approval of the Application by ReliaStar Life Insurance Company and the payment of the required premium. ReliaStar Life Insurance Company reserves the right to accept or reject this application in accordance with its underwriting standards. Once your child's coverage is approved, you will receive a Certificate of Insurance and be billed for premium due.

In the case of material misrepresentation on the Application or suicide during the first two years of coverage, no benefits will be paid, and all premiums will be refunded.

The rates shown for this group coverage are guaranteed until March 1, 2018. After that date, benefits or rates may be changed for all persons covered by this Plan. You cannot be singled out for a change in benefits and we will notify you in advance in writing of any change.

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: Youth Group Term Life Insurance
Designed For: Children and grandchildren of Military Officers Association of America (MOAA) members
Underwritten by: ReliaStar Life Insurance Company, a member of the Voya® family of companies.
Policy Form Number: LP00GP
Policy Number: 68657-3
Issue Ages: Children and grandchildren age 15 days to 20 years
Rate Schedule: For each child, you pay a low one-time premium. The $2,000 Youth Life Benefit Amount costs $75, the $5,000 Youth Life Benefit Amount  is $150 and the $10,000 Youth Life Benefit Amount is $300. 

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

2 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.

Your children and grandchildren age 15 days to 20 years old may qualify for MOAA Youth Group Term Life coverage.

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.
Issuance of this Insurance Certificate is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase the 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.

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

Download an Application

Our Role and Compensation

Details of Mercer disclosure of the compensation.

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