FREQUENTLY ASKED QUESTIONS

Your children and grandchildren age 15 days through 25 years old may qualify for MOAA Youth Group Term Life coverage.

Enroll online or call us at: 1-800-247-2192. 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.

Effective Date
Your child or grandchild will become insured on the date specified by New York Life Insurance Company provided the initial premium contribution is paid within 30 days after the day you are billed (send no money now), satisfactory evidence of insurability has been submitted, and you and your dependents are performing the normal activities of a person in good health of like age on that date.

Coverage for any person who is not performing his or her normal activities on the date coverage would otherwise become effective will not become effective until the date he or she is performing such activities, provided such date is within three months of the ate insurance would have been effective and the person is still eligible for insurance. (Payment of premium contribution for insurance does not mean there is any coverage in force before the effect date as specified by New York Life Insurance Company.)

Exclusions

Coverage is payable for death by any cause except death from suicide during the first year of coverage, whether sane or insane, for which the only benefit payable is the return of applicable premium contributions.

Certificate Of Insurance

This information is only a brief description of the principal provisions and features. The complete terms and conditions are set forth in the group policy issued by New York Life Insurance Company to the Military Officers Association of America. When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the policy. Certain state restrictions apply.

30-Day Free Look

If you’re not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated, and you will be sent a full refund, no questions asked!

Renewal Payments and Claims

Once your application is approved, you will have a 31-day grace period for your payment of renewal premium contributions. When you want to submit a claim, call or write the Plan Administrator, AMBA, for claim forms.