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8 Reasons


Why Thousands Of MOAA Families Already Rely On Leader Term Life Insurance


1. 2.


3. 4.


Flexible benefi ts up to $1 million, depending on your age, help you tailor the level of protection to your situation, budget and age. Solid 24/7/365 protection — with no military, aviation or travel exclusions — means dependable coverage you can trust. The only exclusion is suicide within the fi rst two years of coverage. A $2,500 “advance benefi t” is sent to your family right away upon request to help pay immediate bills. The remainder of your benefi ts will be sent promptly upon completion of claims paperwork. Guaranteed acceptance if you’re leaving active duty. If you’re under age 50 and enroll within 90 days after the date of


More Than 35 Years Protecting Military Offi cers


5. 6. 7. 8.


your discharge, you’re guaranteed up to $110,000 in the Leader Plan. If you’re 50 or older, you’re guaranteed up to $55,000 if you enroll within 90 days of your discharge. No matter your age, your discharge cannot be health or disability- related. (Of course, as a member of MOAA, you also have the right to apply for higher levels of Leader protection). You pay no premiums if you’re disabled. Keeping your family’s fi nancial safety net in force should be the least of your worries if a sickness or injury leads to a total disability, as defi ned in the certifi cate. So MOAA made sure your benefi ts would continue and you’ll owe nothing. Your spouse3


That’s why this program is also offered to your spouse3


can be covered — even if you’re not. MOAA understands that you and your spouse3 regardless of your participation in the


Leader Term Life Plan. Travel assistance services help you confi dently solve trip hassles. This no-cost to you benefi t addition can help you if you’re in an accident, lose your passport, or run into other problems when you’re on a trip more than 100 miles from home.4 Funeral planning service can help your family if something happens to you. Your family can count on unbiased advice — at no additional cost to them — if you pass away.5


Take A Closer Look Today www.moaainsurance.com Mail back your “Take A Closer Look” Card


1. MOAA’s Leader Term Life Preferred non-tobacco rates and Standard non-tobacco rates are often lower than VGLI until age 75. MOAA’s Leader Term Life Standard tobacco rates are often lower than VGLI until age 70. www.benefi ts.va.gov/insurance/vgli_rates_new.asp, viewed 5/4/2016. 2. Based on a 49-year-old non-tobacco using MOAA member in excellent health. Rates shown are guaranteed until March 1, 2018. 3. In Oregon, spouse includes Domestic Partner. 4. Voya Travel Assistance Services are provided by Europ Assistance USA, Bethesda, MD 20814. Services may not be available in all states. 5. Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX 77056. Services may not be available in all states.


Endorsed by: Questions? Call 1-800-247-2192


This plan is underwritten by ReliaStar Life Insurance Company. This coverage may have exclusions, limitations and reductions in benefi ts. This plan may not be available in all states. Please contact the plan administrator for details. The group policy is sitused in Virginia and is governed by its laws. This is a paid endorsement. MOAA receives a fee from the insurance broker and/or insurer for its endorsement of this plan. Policy Form LP00GP.


Administered by: Mercer Consumer, a service of Mercer Health & Benefi ts Administration LLC P.O. Box 14464


Des Moines, IA 50306-8993


AR Insurance License #100102691, CA Insurance License #0G39709, In CA d/b/a Mercer Health & Benefi ts Insurance Services LLC 77131 (8/16) Copyright 2016 Mercer LLC. All rights reserved.


are a team.


Premiums


Waived— While Benefi ts Stay In Full Force—If


You Can’t Work Due To A Disability


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