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.

• Guaranteed acceptance for you and your spouse¹ .
• You are covered 24 hours a day, 365 days a year even if you're flying in a military aircraft.
• 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). 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 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 starting at age 60.
• You can collect up to 50% of your MOAA 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.
• Travel Assistance Service. ² 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, provided at no additional cost to you, can provide pre-trip information and can help you deal with potential problems you may have while traveling. 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!
• Bereavement Support, including Funeral Planning and Will Preparation. ³ In the event of an insured’s death, these services, provided at no additional cost to you, gives you and your family access to bereavement support, funeral planning assistance and will preparation services, including health care directives, that can be used to research and document decisions and wishes.

 

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.

Monthly Rates All insureds, regardless of gender and tobacco status get the same low rates.
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.

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
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.

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.

MOAA members enrolling within 270 days after discharge from active uniformed service (provided your discharge is not health or disability related) are guaranteed acceptance. For Spouse¹ coverage, 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.

Everyone’s needs are different. However, underinsuring can have a major impact on our families, whether we have small children, 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. Higher coverage amounts are available on a fully underwritten basis under the Group Term Life Plan.

You can enroll for this insurance coverage online using the 'Get a Quote Now' Button, or you can print and send through the mail using the 'Enrollment Form' Button, both links are located on the right side bar. This allows you to review the materials in the privacy of your home. You can, of course, talk to a customer service representative if you’d like by calling 1-800-247-2192. 7:30 am to 7 pm Monday-Friday (Central).

Your Active Service Discharge coverage will start on the first day of the month after your enrollment form has been processed and your first premium has been paid. If you send a check with your enrollment form, your coverage will begin on the first day of the month after your enrollment form is processed.

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 enroll online click on the 'Get a Quote Now' Button. Or, you can click on the 'Enrollment Form' Button to download and print an enrollment form, complete and mail to
MOAA Insurance Plans
PO BOX 14536
DES MOINES, IA 50306.