Your status as a Military Officers Association of America (MOAA) member 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 Leader Plan.

• You are covered 24 hours a day, 365 days a year even if you're flying in a military aircraft.
• Your family can take advantage of the savings, too. As a matter of fact, many officers take advantage of their MOAA membership to secure the affordable group rates for insurance on their spouse's¹ life.
• Your premium payments will be waived if a Sickness or Injury leads to a Total Disability, as defined in the Certificate, that keeps you from working at your current job. 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 Leader 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 at age 60.
• You can collect up to 50% of your MOAA Leader 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.
• Special Feature for Transitioning Officers — The Active Service Discharge Group Term Life Insurance Plan — You are guaranteed acceptance, with no medical exam, for up to $250,000 of coverage if you’re under age 50 and enroll within 270 days after your discharge from active uniformed service (provided your discharge is not health or disability related). If you are age 50 or over, you are guaranteed acceptance for up to $100,000 of coverage. If you enroll, this special guaranteed acceptance coverage is also extended to your spouse¹. Your spouse¹ would be eligible for up to 50% of your coverage amount, not to exceed the maximum coverage available based on your spouse’s¹ age (up to $125,000 if under age 50 or up to $50,000 if age 50 or over). Click here to learn more.
• 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 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, Will Prep & Concierge Service.⁴ These services provide you and your family access to funeral planning assistance and negotiation at the time of need as well as pre-planning tools and Will Prep services that can be used to research and document decisions and wishes, at no additional cost to you.

 

Your Leader coverage 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 Leader coverage will begin on the first day of the month after your application is approved.

Your spouse¹ will automatically be the beneficiary for your Military Officers Association of America (MOAA) Life coverage. 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 and children's coverage. If you'd like to designate a different beneficiary, please notify the plan administrator.

You can keep your Military Officers Association of America (MOAA) Leader 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 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 coverage has not expired, the group policy stays in force and they are not legally separated or divorced from you. Your children’s coverage will terminate once they no longer qualify as an eligible Dependent.

 

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.

The Leader Plan can also help protect you if you have health problems. As a Military Officers Association of America (MOAA) member under age 60, you can qualify for the $10,000 MOAA Leader Silver Plan as long as you have been working for the past 90 days. This coverage features many of the same benefits found in the standard Leader Plan with coverage that increases from $2,000 to $10,000 over five years.

Monthly Group Rates per $10,000 in Coverage
Up to $245,000
Age	Preferred Non-tobacco*	Standard Non-tobacco	Tobacco
Under 30	0.18	0.31	0.50
30-34	0.27	0.46	0.75
35-39	0.45	0.74	1.19
40-44	0.59	0.98	1.59
45-49	0.95	1.58	2.55
50-54	1.86	3.11	5.03
55-59	2.19	3.65	5.89
60-64	3.95	6.58	10.64
65-69	6.88	11.45	18.51
70-74	12.86	21.42	34.61
75-79**	46.73	46.73	46.73

 

*Preferred Non-tobacco rates are not available for coverage amounts less than $100,000.

**Renewal rates only.

 

Monthly Group Rates per $10,000 in Coverage
$250,000 to $1,000,000
Age	Preferred Non-tobacco	Standard Non-tobacco	Tobacco
Under 30	$0.17	$0.29	$0.48
30-34	0.26	0.44	0.71
35-39	0.43	0.70	1.13
40-44	0.56	0.93	1.51
45-49	0.90	1.50	2.42
50-54	1.77	2.95	4.78
55-59	2.08	3.47	5.60
60-64	3.75	6.25	10.11
65-69	6.54	10.88	17.58

 

$1 a month provides coverage for all your eligible children. Children 15 days to under 6 months are eligible for $1,000 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 coverage.
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. Non-tobacco users applying for $100,000 in coverage or more and meeting the highest underwriting standards may qualify for the Preferred (the Plan’s best) rates. Other non-tobacco users may qualify for Standard rates. 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 a new 5-year age bracket.
For your convenience, you'll be billed quarterly.
Rates shown are guaranteed until February 28, 2025. 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 age determines the maximum amount of coverage you can apply for:
Age	Maximum benefit available2
Under Age 50	$1,000,000
50-69	$550,000
70-74	$80,000

 

²Your 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.  

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 Term Life Insurance
Designed For:	Military Officers Association of America (MOAA) members and their family
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 74
Rate Schedule:	Premiums are based on age at issue, and premiums increase upon entry into a new 5-year age bracket.
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.
Waiver of Premium:	Your premium payments will be waived if a Sickness or Injury leads to a Total Disability, as defined in the Certificate, that keeps you from working at your current job.
Spouse1:	Can apply for the maximum benefit amount as stated above. The minimum benefit available is $10,000.
Children’s Insurance:	$1.00 a month covers all your eligible children. Children 15 days to under 6 months are eligible for $1,000 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 order to become insured, evidence of insurability satisfactory to the insurer must be provided and the required premium must be paid.
 

For complete plan details, please contact the Program Administrator, MOAA Insurance Plans at 1-800-247-2192, Monday-Friday, 7:30 a.m. - 7:00 p.m. Central Time.
 

You can keep your MOAA Leader 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 and the Group Policy stays in force.
 

Your dependent’s coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements.

MOAA members and spouses¹ under age 75 are eligible to apply. Dependent children to age 21 (or 25 if enrolled full-time in an institution of higher learning) are also eligible.

The Leader Plan can also help protect you if you have health problems. As a Military Officers Association of America (MOAA) member under age 60, you can qualify for the $10,000 MOAA Leader Silver Plan as long as you have been working for the past 90 days. This coverage features many of the same benefits found in the standard Leader Plan with coverage that increases from $2,000 to $10,000 over five years.

Everyone’s needs are different. However, underinsuring can have a major impact on our families, whether we have youngsters, 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.

You can apply for this Insurance coverage 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.

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. Non-tobacco users applying for $100,000 in coverage or more and meeting the highest underwriting standards may qualify for the Preferred (the plan's best) rates. Other non-tobacco users may quality for Standard rates.

Your Leader coverage 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 Leader coverage will begin on the first day of the month after your application is approved.

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