The Active Service Discharge Group Term Life Insurance Plan is offered on a guaranteed acceptance basis if you enroll within 270 days after your discharge (provided your discharge is not health or disability related) from active uniformed service.
It's an affordable option to replace some of your SGLI benefits. Compare our affordable group rates to VGLI's insurance products.
Member | Amount of Life Insurance |
Under Age 50 | $125,000 or $250,000 |
Age 50 and Older | $50,000 or $100,000 |
Spouse1 | Amount of Life Insurance |
Under Age 50 | $62,500 or $125,000 |
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. |
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Review the Group Term Life Insurance 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 Active Service Discharge Group Term Life Insurance Plan. This plan also features affordable group rates.
This coverage is available if you enroll within 270 days after your discharge (provided your discharge is not health or disability related) from active uniformed service.
Details
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.
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 spouse1 will automatically be the beneficiary for your 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 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 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.
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.
Rates
Monthly Rates
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Age | Member $250,000 | Age | Spouse1 $125,000 | |
Under 30 | $6.25 | Under 30 | $3.13 | |
30-34 | $9.25 | 30-34 | $4.63 | |
35-39 | $15.00 | 35-39 | $7.50 | |
40-44 | $20.00 | 40-44 | $10.00 | |
45-49 | $26.25 | 45-49 | $13.13 | |
50-54 | $43.75 | 50-54 | $21.88 | |
55-59 | $80.00 | 55-59 | $40.00 | |
60-64 | $135.00 | 60-64 | $67.50 | |
65-69 | $231.25 | 65-69 | $115.63 | |
Age | Member $125,000 | Age | Spouse1 $62,500 | |
Under 30 | $3.13 | Under 30 | $1.56 | |
30-34 | $4.63 | 30-34 | $2.31 | |
35-39 | $7.50 | 35-39 | $3.75 | |
40-44 | $10.00 | 40-44 | $5.00 | |
45-49 | $13.13 | 45-49 | $6.56 | |
50-54 | $21.88 | 50-54 | $10.94 | |
55-59 | $40.00 | 55-59 | $20.00 | |
60-64 | $67.50 | 60-64 | $33.75 | |
65-69 | $115.63 | 65-69 | $57.81 | |
Age | Member $100,000 | Age | Spouse1 $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 | Spouse1 $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, 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 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 | $125,000 or $250,000 |
Age 50 and Older | $50,000 or $100,000 |
Spouse1 | Amount of Life Insurance |
Under Age 50 | $62,500 or $125,000 |
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. |
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.
Additional 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: | Active Service Discharge Group Term Life Insurance |
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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). |
Spouse1: | 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 (up to $125,000 if under age 50 or up to $50,000 if age 50 or over). |
In order to become insured, the enrollment form must be accepted 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.
We're here to help! Please contact us in whatever manner is most convenient for you.
Address AMBA 4050 114th Street Urbandale, Iowa 50322 |
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Phone 1-800-247-2192 |
Hours M-F 7:30a-7p CT |
Email [email protected] |
Insurance Company ReliaStar Life Insurance Company Minneapolis, MN |
Answers about the program, including eligibility, options, customer service and more.
When does the coverage end?
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.
Who is eligible for this insurance?
How much life insurance would I need?
Do I have to meet with an insurance agent?
When is the coverage effective?
What if I have second thoughts after I enroll?
How do I enroll?
1 Spouse includes domestic partner in the state of Oregon.
2 Travel Assistance Services provided by International Medical Group, Indianapolis, IN. Services are not available in Oregon.
3 Bereavement Support, including Funeral Planning & Will Preparation services are provided by The Empathy Project, Inc., New York, NY. Provisions and availability of each service may vary by state.
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.
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 AMBA Administrators, Inc., 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.