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Active Service Discharge Group Term Life Insurance Plan

NEW Military Officers Association of America (MOAA) plan designed specifically for members leaving active uniformed service.


The Active Service Discharge Group Term Life Insurance Plan is offered on a guaranteed acceptance basis if you enroll within 90 days after your discharge (provided your discharge is not health or disability related) from active uniformed service.

Member Amount of Life Insurance
Under Age 50 $100,000 or $200,000
Age 50 and Older $50,000 or $100,000
Spouse1 Amount of Life Insurance
Under Age 50 $50,000 or $100,000
Age 50 and Older $25,000 or $50,000
Member must be covered for Spouse1 to be eligible. Spouse1 coverage is limited to 50% of Member amount, not to exceed the maximum coverage available based on Spouse’s1 age.
  • Your coverage reduces to $80,000 on your 70th birthday if you have more than $80,000 of coverage. At age 80, your coverage reduces to an $11,000 benefit.
  • It's an affordable option to replace some of your SGLI benefits. Plus, MOAA’s rates are often lower than VGLI.2
  • Affordable group rates
  • You are covered 24 hours a day, 365 days a year — even if flying in a military aircraft
  • Premiums waived if a Sickness or Injury leads to a Total Disability, as defined in the Certificate
  • Voya Travel Assistance Service.3 What if you and your family are 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, provided at no additional cost to you, can provide pre-trip information and can help you 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 & Concierge Service.4 This service is provided at no additional cost to you. In the event of your death, your surviving spouse1 and children (under age 26) are eligible for funeral planning assistance from trained advisors.

1 Spouse includes domestic partner in the state of Oregon.
2 MOAA’s rates are often lower than VGLI https://www.benefits.va.gov/insurance/vgli_rates_new.asp- Viewed 9/4/18.
3 Voya Travel Assistance Services provided by Europ Assistance USA, Bethesda, MD.
4 Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX.

Life Insurance coverage is provided under the terms of a group life insurance policy, Group Policy 68652-2, issued and delivered in the state of Virginia to The 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.

Members of Military Officers Association of America (MOAA) being discharged, separated or retiring from active uniformed service now have an affordable and guaranteed acceptance group term life insurance option to replace some SGLI coverage (which ends after leaving service): MOAA’s NEW Active Service Discharge Group Term Life Insurance Plan. This plan also features affordable group rates—that are often lower than VGLI! 1

This coverage is available if you enroll within 90 days after your discharge (provided your discharge is not health or disability related) from active uniformed service.

Your status as a member of MOAA combined with the immense buying power of MOAA's membership helped MOAA secure valuable benefits for you and your family. These high-caliber benefits are automatically included in your MOAA Active Service Discharge Life Insurance Plan.

  • Guaranteed acceptance for you and your spouse2 .
  • You are covered 24 hours a day, 365 days a year even if you're flying in a military aircraft.
  • Your loved ones can immediately collect $2,500 to use as they see fit to pay for plane tickets for family members, make 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 your death as long as your coverage has been in force at least two years. Your remaining life insurance benefits will be paid as soon as the rest of the paperwork is accepted.
  • Your premium payments will be waived if a Sickness or Injury leads to a Total Disability as defined in the Certificate (your inability, due to sickness or accidental injury, to work at any job suited to your education, training or experience). This is as long as your disability starts before age 60 while you are covered under the group policy and you stay Totally Disabled for at least six consecutive months. Your full benefits continue at 100% and you owe nothing. The amount of your insurance will be based on the amount active at the time of disability and will be subject to the standard decreases starting at age 60.
  • You can collect up to 50% of your MOAA Benefit Amount for an "Early Payout" before you die if your doctor certifies that you are Terminally Ill, as defined in the certificate, with less than twelve months to live and your premiums are paid. Receipt of the accelerated benefit may be taxable, or may adversely affect your eligibility for Medicaid or other government benefits. You should consult your personal tax advisor to assess the impact of this benefit.
  • Voya Travel Assistance Service.3 What if you and your family are 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, provided at no additional cost to you, can provide pre-trip information and can help you 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 & Concierge Service.4 This service is provided at no additional cost to you. In the event of your death, your surviving spouse2 and children (under age 26) are eligible for funeral planning assistance from trained advisors.

Your Active Service Discharge coverage will start on the first day of the month after your enrollment has been processed and your first premium has been paid. If you send a check with your enrollment form, your Active Service Discharge coverage will begin on the first day of the month after your enrollment form has been processed.

Your spouse2 will automatically be the beneficiary for your MOAA Life coverage. If your spouse2 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's2 coverage. If you'd like to designate a different beneficiary, please notify the plan administrator.

You can keep your MOAA Active Service Discharge coverage for as long as you want no matter what your health as long as you remain a MOAA member, pay your premiums on time and the Group Policy stays in force. Your spouse2 can keep his or her coverage for as long as their premiums are paid on time, their coverage has not expired, the group policy stays in force and they are not legally separated or divorced from you.

The only exclusion to the life 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.



Monthly Rates
All insureds, regardless of gender and tobacco status get the same low rates.

Age Member $200,000 Age Spouse2 $100,000
Under 30 $5.00 Under 30 $2.50
30-34 $7.40 30-34 $3.70
35-39 $12.00 35-39 $6.00
40-44 $16.00 40-44 $8.00
45-49 $21.00 45-49 $10.50
50-54 $35.00 50-54 $17.50
55-59 $64.00 55-59 $32.00
60-64 $108.00 60-64 $54.00
65-69 $185.00 65-69 $92.50
Age Member $100,000 Age Spouse2 $50,000
Under 30 $2.50 Under 30 $1.25
30-34 $3.70 30-34 $1.85
35-39 $6.00 35-39 $3.00
40-44 $8.00 40-44 $4.00
45-49 $10.50 45-49 $5.25
50-54 $17.50 50-54 $8.75
55-59 $32.00 55-59 $16.00
60-64 $54.00 60-64 $27.00
65-69 $92.50 65-69 $46.25
Age Member $50,000 Age Spouse2 $25,000
50-54 $8.75 50-54 $4.38
55-59 $16.00 55-59 $8.00
60-64 $27.00 60-64 $13.50
65-69 $46.25 65-69 $23.13
70-74 $86.35 70-74 $43.18

For your convenience, you'll be billed quarterly.
Rates shown are guaranteed until February 28, 2019. After that date, benefits and/or rates may be changed for all persons covered by this plan. 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.

Your individual premium is determined at each premium due date and is based on your benefit level, attained age and tobacco status. Premiums increase upon entry into each new 5-year age bracket.

Your coverage reduces to $550,000 on your first premium due date on or after your 60th birthday if you have more than $550,000 of coverage. Coverage reduces to $80,000 on your 70th birthday if you have more than $80,000 of coverage. At age 80, your coverage reduces to an $11,000 benefit.

Your age determines the amount of coverage you can apply for:

Member Amount of Life Insurance
Under Age 50 $100,000 or $200,000
Age 50 and Older $50,000 or $100,000
Spouse2 Amount of Life Insurance
Under Age 50 $50,000 or $100,000
Age 50 and Older $25,000 or $50,000
Member must be covered for Spouse2 to be eligible. Spouse2 coverage is limited to 50% of Member amount, not to exceed the maximum coverage available based on Spouse’s2 age.

Higher coverage amounts are available on a fully underwritten basis under the Group Term Life Plan, for more information visit. Questions? Call toll-free 1-800-247-2192.
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: Active Service Discharge Group Term Life Insurance
Designed For: Military Officers Association of America (MOAA) members and spouses2
Underwritten by: ReliaStar Life Insurance Company,
a member of the Voya® family of companies.
Policy Form Number: LP00GP
Policy Number: 68652-2
Issue Ages: Through age 69
Rate Schedule: Premiums are based on age at issue, and premiums increase upon entry into each new 5-year age bracket.
Waiver of Premium: Your premium payments will be waived if a Sickness or Injury leads to a Total Disability, as defined in the Certificate (your inability, due to sickness or accidental injury, to work at any job suited to your education, training or experience).
Spouse2: The member must be covered in order for the spouse2 to obtain coverage. Spouse2 amount is limited to 50% of Member amount, not to exceed the maximum coverage available based on spouse’s2 age ($100,000 if under age 50 or $50,000 if age 50 or over).

1 MOAA's Active Service Discharge Group Term Life Insurance rates are often lower than VGLI.
https://www.benefits.va.gov/INSURANCE/vgli_rates_new.asp. Viewed 9/4/18.
2 Spouse includes domestic partner in the state of Oregon.
3 Voya Travel Assistance Services provided by Europ Assistance USA, Bethesda, MD. 
4 Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX.

In order to become insured, the enrollment form must be accepted 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.

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, 8:00 a.m. - 1:00 p.m. Central Time.

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

You can keep your MOAA Active Service Discharge Group Term Life Insurance coverage for as long as you want no matter what your health as long as you remain a member of MOAA, pay your premiums on time 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, the Group Policy stays in force, and they are not legally separated or divorced from you.
Coverage reduces to $80,000 on your 70th birthday if you have more than $80,000 of coverage. At age 80, your coverage reduces to an $11,000 benefit.

1Spouse includes domestic partner in the state of Oregon

MOAA members enrolling within 90 days after discharge from active uniformed service (provided your discharge is not health or disability related) are guaranteed acceptance. For Spouse1 coverage, the member must be covered in order for the spouse1 to obtain coverage. Spouse1 amount is limited to 50% of Member amount, not to exceed the maximum coverage available based on spouse’s1 age.

1Spouse includes domestic partner in the state of Oregon

Everyone’s needs are different. However, underinsuring can have a major impact on our families, whether we have small children, almost-grown children or a spouse1 to consider. Life insurance can help replace lost income if you’re employed; the loss of your financial expertise even if you’re not. A lump sum benefit payment gives your family “replacement income” to help pay present living expenses (mortgage, utilities, car payments, etc.). It can also help keep the big goals alive, such as college for children or grandchildren and a secure retirement for your spouse1. Higher coverage amounts are available on a fully underwritten basis under the Group Term Life Plan.

1Spouse includes domestic partner in the state of Oregon

You can enroll for this insurance coverage online using the 'Get a Quote Now' Button, or you can print and send through the mail using the 'Enrollment Form' Button, both links are located on the right side bar. This allows you to review the materials in the privacy of your home. You can, of course, talk to a customer service representative if you’d like by calling 1-800-247-2192, 7:30 am to 5 pm Monday-Friday and 8 am to 1 pm Saturday (Central).

Your Active Service Discharge coverage will start on the first day of the month after your enrollment form has been processed and your first premium has been paid. If you send a check with your enrollment form, your coverage will begin on the first day of the month after your enrollment form is processed.

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.

To enroll online click on the 'Get a Quote Now' Button. Or, you can click on the 'Enrollment Form' Button to download and print an enrollment form, complete and mail to MOAA Insurance Plans P.O. Box 14464 Des Moines, IA 50306.

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

Request for Change of Beneficiary

Active Service Discharge Group Term Life Insurance Enrollment 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 1 pm Saturday (Central)

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

Insurance Company:

ReliaStar Life Insurance Company

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