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LIFE INSURANCE OPTIONS FOR TRANSITIONING OFFICERS
Peace of mind means knowing you’ve done everything you can to help make sure your family is protected financially.
Now that you are transitioning into civilian life, it’s a good time to step back and take a look at your overall financial picture. One of the most important aspects of that picture is how well you’ve planned for the future.
That’s where life insurance comes in. It’s a sensible way to help ensure your family’s financial well-being and keep their dreams alive — even if they should suddenly be without you. The Military Officers Association of America (MOAA) Leader Group Term Life Insurance coverage helps bring you peace of mind with these features:
SPECIAL FEATURE FOR TRANSITIONING OFFICERS
You are guaranteed acceptance — with no medical exam — for up to $250,000 of coverage if you’re under age 50 and enroll 90 days prior or within 270 days after your discharge (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 spouse. Your spouse would be eligible for up to 50% of your coverage amount, not to exceed the maximum coverage available based on your spouse’s age ($125,000 if under age 50 or $50,000 if age 50 or over). Of course, you are free to apply for additional fully underwritten coverage if you desire.
Learn more about the MOAA Transition Life Insurance.
FEATURES
Take advantage of the group buying power of MOAA. Compare our rates to VGLI.
Your age determines the maximum benefit for which you may apply:
| AGE | MAXIMUM BENEFIT AMOUNT* |
| Under age 60 | $500,000 |
| 60-64 | $325,000 |
| 65-69 | $225,000 |
| 70-74 | $150,000 |
*Your coverage reduces as you age. At age 60, your benefit reduces to 65% of the amount in force before age 60; at age 65, it reduces to 45%; at age 70, it reduces to 30%; at age 75, it reduces to 20%; at age 80, it reduces to 10%; at age 85, it reduces to 5%. If you apply for coverage or change your coverage amount after age 60, future reductions will be based on that adjusted amount. Full details are in the Certificate of Insurance.
LEARN MORE
Get a free rate quote
More details and FAQs
NOT YET A MEMBER OF MOAA?
Join now! — and become eligible to apply for Leader Group Term Life Insurance coverage.
Underwritten by New York Life Insurance Company under G-31240-0, on Form GMR-FACE/G-31240-0.
MOAA-Transition-05-13-2025
