Health Insurance | Life Insurance | Other Insurance | Request Form | ROA Home
Whether you're a new parent, just moved or changed jobs, are caring
for a parent or recently retired, let ROA help protect your loved ones.
Pay less—right now with ROALife, the ROA-sponsored Term Life
Insurance Plan. Now may be the best time to examine your finances
and decide if you need more life insurance protection. Click
here to determine how much protection you need.
Join more than 4,800 ROA members who already count on this exclusive benefit
to help protect their families' future.
For more information on the ROA-sponsored Term Life Insurance Plan, simply:
1. Read the information on this website.
2. Call 1-800-247-7988
3. Or write to:
ROA-sponsored Member Benefits
P.O. Box 14464
Des Moines, IA 50306-3464
ROA Members-Only Coverage
Because of your ROA membership, you, your spouse and children are eligible to enroll in the ROA-sponsored Term Life Insurance
Plan for economical group rates.
Member Coverage
Choose from $10,000 to $500,000 in protection to suit your needs. Plus, you can
choose a $10,000 benefit for each of your children (ages 14 days–21 years, 23
if full-time student).
Coverage for Your Family
When you enroll for the ROA-sponsored Term Life Insurance Plan, your spouse
can also sign up for the same level of coverage as you do … from $10,000 to
$500,000 … for economical group rates.
Protection As Long As You Need It
As long as you are a member under age 60, actively at work and not already insured
by this plan, your ROA-sponsored Term Life Insurance Plan remains active.
Your insurance can never be canceled or your rates raised because of poor health. Your coverage only ends if the entire group policy is terminated, you quit being an ROA member or you fail to pay your premiums when due.
Added Benefits
For No Extra Charge
Your membership in ROA, combined with the group
purchasing power of more than 75,000 members, helped ROA secure these benefits
added to the ROA-sponsored Term Life Plan at no extra cost to you.
Death During a Hostile Action Benefit
Pays your loved ones up to an additional $25,000 (or your benefit amount, whichever is less) if you're declared "killed in action" by the Department of Defense in a designated combat zone.
Accelerated Life Benefit
Collect up to $50,000 (or 50% of your benefit amount, whichever is less) of
your benefit if you become terminally ill with less than six months to live.
You can use this living benefit any way you want. Your beneficiary will receive
the remainder of your benefit upon your death.
Pay No Premiums (Waiver of Premium Disability Benefit)
Your ROALife Plan will continue at no cost to you if you become continuously
totally disabled (as defined by the policy) for at least nine consecutive months and if your disability
occurs before age 60.
| ROALife Monthly Rates |
| Non-Tobacco User Rates | |||||||||
| Benefit | Under 30 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | |
| $25,000 | Member Spouse | $.95 .72 | $1.43 1.19 | $1.90 1.67 | $2.85 2.38 | $5.23 4.28 | $8.55 7.13 | $14.02 11.88 | $20.90 17.58 |
| $50,000 | Member Spouse | $1.90 1.43 | $2.85 2.38 | $3.80 3.33 | $5.70 4.75 | $10.45 8.55 | $17.10 14.25 | $28.03 23.75 | $41.80 35.15 |
| $100,000 | Member Spouse | $3.80 2.87 | $5.70 4.77 | $7.60 6.67 | $11.40 9.50 | $20.90 17.10 | $34.20 28.50 | $56.07 47.50 | $83.60 70.30 |
| Tobacco User Rates | |||||||||
| Benefit | Under 30 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | |
| $25,000 | Member Spouse | $.95 .95 | $1.67 1.19 | $2.14 1.90 | $3.33 2.85 | $5.94 4.99 | $9.74 8.32 | $16.15 13.54 | $24.23 20.19 |
| $50,000 | Member Spouse | $1.90 1.90 | $3.33 2.38 | $4.28 3.80 | $6.65 5.70 | $11.88 9.98 | $19.48 16.63 | $32.30 27.08 | $48.45 40.38 |
| $100,000 | Member Spouse | $3.80 3.80 | $6.67 4.77 | $8.57 7.60 | $13.30 11.40 | $23.77 19.97 | $38.97 33.27 | $64.60 54.17 | $96.90 80.77 |
Benefit levels up to $500,000 (in $5,000 increments) are available.
Please call the Plan Administrator at 1-800-247-7988 for rates. Premiums are based
on your age at date of issue and increase on renewal dates as indicated above.
Your rates will not change unless they are changed for all insureds in your classification.
Rates shown are guaranteed for initial year of coverage only.
Your and your spouse's amount of insurance will decrease to the lesser of
50% or $50,000 on the Policy Anniversary date on or after your 70th birthday.
Coverage terminates at age 75.
Please Read
Your ROALife protection will start on the first day of the month after your enrollment
form has been accepted and your first premium has been paid. This is a brief description
of the benefits available. Complete details can be found in Group Policy GL-31816-7.
KEEP THIS INFORMATION WITH YOUR IMPORTANT PAPERS.
Underwritten by ReliaStar Life Insurance Company and administered by Marsh
Affinity Group Services, a service of Seabury and Smith. Policy Form#LP08GP.
Health Insurance | Life Insurance | Other Insurance | Request Form | ROA Home