As an MNCPA member, you may qualify for Group Level Term Life Insurance offered by ReliaStar Life Insurance Company and endorsed by MNCPA. Apply now and enjoy premiums that will remain level for 10 years (20 years also available). Call 1-800-732-8350 for further information.

Coverage is provided under the terms of a group life insurance policy, Group Policy number 64269-0, issued and delivered in the state of Minnesota to the Minnesota Society of Certified Public Accountants as the policyholder. The group life insurance policy is administered on behalf of ReliaStar Life Insurance Company by Marsh U.S. Consumer, an insurance administrator licensed in the state of Minnesota.

Three Reasons to Choose MNCPA Group Level Term Life Insurance

• Your rates and benefit amount will stay the same for either 10 or 20 years*. Your benefit and premiums are designed to remain level during your policy period.
• You'll pay economical group rates. You have the buying power of nearly 9,000 MNCPA members to help keep the premiums economical.
• Your satisfaction is 100% guaranteed. You have 30 days to review your certificate. If you're not happy with the plan, simply write "cancel" on your certificate and mail it back to us. There's no obligation.

Click Here for Monthly Rates per $1,000 of coverage For The 10-Year Level Term Life Plan
Your rate for the entire term of your protection is your rate for your age at the time coverage is issued.*

Click Here for Monthly Rates per $1,000 of coverage For The 20-Year Level Term Life Plan
Your rate for the entire term of your protection is your rate for your age at the time coverage is issued.*

You will be billed semiannualy for your convenience. Premiums are based on your age at the date of issue and will not increase due to your age or health status. Coverage will not be reduced during your level term period. Premiums will only be increased for all insureds in the same age and rate class. The level term rate period begins on the effective date assigned by ReliaStar Life. Plan benefits are offered for amounts ranging from $100,000 to $1,000,000. The 10-year plan is offered for persons age 18-60. The 20-year plan is offered for persons age 18-50.

If you choose the Accidental Death & Dismemberment insurance benefit, you will receive the same level of coverage as your Group Level Term Life Insurance. The Accidental Death & Dismemberment rate is $0.04 per $1,000 of coverage per month, regardless of your age, gender, and smoking status.

Qualifications for this MNCPA Group Level Term Life Plan offer are few:

• You must be a Minnesota Society of CPA’s member 18-60 years of age for the 10-year plan (18-50 years of age for the 20-year plan).
• You must be actively at work.
• You cannot already be insured by this plan.

For members or spouses who are under age 65 at the end of a level term period, coverage will not reduce until age 65. Coverage will reduce to the lesser of 25 percent of the amount in effect prior to age 65 or $37,500. Spouse coverage terminates at age 70.

A decrease in the amount of insurance due to age will take effect on the later of your attainment of any of the specified birthdays or at the end of a level-term rate period. Your amount of insurance will not decrease due to age during a level-term rate period.

If ReliaStar Life approves the insurance, premiums will be determined on a level term rate period basis if all of the following conditions are met:

• The amount of insurance requested is $100,000 or greater.
• Your attained age is under 61 at the time of your application.
• Your application form indicates premiums are to be paid on a level-term basis.

All members and spouses must complete an application form for any new coverage or to increase coverage (including dependent coverage) or to begin an initial or subsequent 10-year or 20-year level term rate period when proof of good health is required. Some applicants may be required to have a medical exam in order to apply for coverage. For more information about medical requirements, please contact your plan administrator.

If there is an increase in the amount of your insurance, the increase will take effect on the first day of the month on or next following the date of the increase. If you are in a level term rate period, premiums for the increased amount of insurance will be based on your attained age on the effective date of the increase.

Your MNCPA Group Level Term Life Plan will start on the first day of the month after your application has been approved and your first premium has been paid.

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