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Three Reasons to Choose MSBA Level Term Life Insurance

Your rates and benefit amounts are designed to stay the same for either 10 or 20 years*.
You'll pay economical group rates. You have the buying power of your association 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. Provided no claims have been submitted or paid, 100% of premium will be refunded.

Eligibility

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

Monthly Rates per $1,000 of Coverage for the 10-Year Level Term Life Plan
Your rate for the entire term of your coverage is designed to be the rate for your age at the time coverage is issued.*

Volume Band: $100,000 through $499,999 January 2024
Issue Age	Male	Male	Male	Female	Female	Female
Issue Age	Tobacco	Preferred	Super Preferred	Tobacco	Preferred	Super Preferred
18	0.112	0.056	0.046	0.075	0.045	0.041
19	0.112	0.056	0.046	0.075	0.045	0.041
20	0.112	0.056	0.046	0.075	0.045	0.041
21	0.112	0.056	0.046	0.075	0.045	0.041
22	0.112	0.056	0.046	0.075	0.045	0.041
23	0.112	0.056	0.046	0.075	0.045	0.041
24	0.112	0.056	0.046	0.075	0.045	0.041
25	0.112	0.056	0.046	0.075	0.045	0.041
26	0.112	0.056	0.046	0.075	0.045	0.041
27	0.114	0.056	0.046	0.079	0.046	0.041
28	0.117	0.057	0.046	0.083	0.046	0.041
29	0.122	0.057	0.046	0.088	0.047	0.041
30	0.133	0.057	0.046	0.100	0.048	0.041
31	0.140	0.057	0.047	0.107	0.048	0.041
32	0.149	0.057	0.047	0.115	0.048	0.041
33	0.159	0.058	0.047	0.124	0.048	0.041
34	0.170	0.058	0.047	0.133	0.048	0.041
35	0.182	0.058	0.047	0.143	0.048	0.041
36	0.195	0.059	0.047	0.155	0.050	0.041
37	0.209	0.062	0.047	0.167	0.053	0.042
38	0.226	0.065	0.048	0.180	0.056	0.046
39	0.244	0.070	0.051	0.193	0.062	0.050
40	0.263	0.076	0.054	0.207	0.066	0.055
41	0.286	0.083	0.058	0.220	0.073	0.060
42	0.310	0.090	0.063	0.234	0.078	0.065
43	0.336	0.098	0.070	0.249	0.086	0.072
44	0.362	0.107	0.078	0.264	0.093	0.078
45	0.389	0.118	0.086	0.279	0.101	0.083
46	0.416	0.130	0.095	0.294	0.108	0.088
47	0.444	0.144	0.104	0.310	0.116	0.092
48	0.474	0.158	0.112	0.327	0.125	0.097
49	0.508	0.173	0.122	0.345	0.133	0.102
50	0.545	0.191	0.132	0.364	0.143	0.108
51	0.586	0.210	0.145	0.385	0.153	0.116
52	0.631	0.231	0.160	0.407	0.163	0.123
53	0.679	0.253	0.179	0.430	0.174	0.132
54	0.731	0.278	0.198	0.456	0.188	0.139
55	0.786	0.305	0.222	0.483	0.203	0.149
56	0.841	0.334	0.244	0.512	0.217	0.160
57	0.898	0.365	0.265	0.543	0.233	0.170
58	0.965	0.396	0.292	0.576	0.252	0.181
59	1.051	0.435	0.320	0.614	0.272	0.190
60	1.169	0.481	0.353	0.666	0.297	0.212

Volume Band: $500,000 through $1,000,000 January 2024
Issue Age	Male	Male	Male	Female	Female	Female
Issue Age	Tobacco	Preferred	Super Preferred	Tobacco	Preferred	Super Preferred
18	0.101	0.051	0.038	0.064	0.034	0.027
19	0.101	0.051	0.038	0.064	0.034	0.027
20	0.101	0.051	0.038	0.064	0.034	0.027
21	0.101	0.051	0.038	0.064	0.034	0.027
22	0.101	0.051	0.038	0.064	0.034	0.027
23	0.101	0.051	0.038	0.064	0.034	0.027
24	0.101	0.051	0.038	0.064	0.034	0.027
25	0.101	0.051	0.038	0.064	0.034	0.027
26	0.101	0.051	0.038	0.064	0.034	0.027
27	0.103	0.051	0.038	0.068	0.035	0.027
28	0.106	0.051	0.038	0.072	0.036	0.027
29	0.111	0.051	0.039	0.077	0.037	0.028
30	0.118	0.052	0.039	0.085	0.041	0.030
31	0.125	0.052	0.039	0.092	0.043	0.032
32	0.134	0.053	0.039	0.100	0.044	0.033
33	0.144	0.053	0.042	0.109	0.044	0.035
34	0.155	0.053	0.042	0.118	0.044	0.035
35	0.167	0.053	0.042	0.128	0.044	0.035
36	0.180	0.053	0.042	0.140	0.045	0.036
37	0.194	0.056	0.044	0.152	0.048	0.039
38	0.211	0.060	0.046	0.165	0.051	0.042
39	0.228	0.065	0.048	0.178	0.057	0.046
40	0.248	0.071	0.053	0.192	0.062	0.050
41	0.270	0.076	0.058	0.205	0.068	0.055
42	0.295	0.085	0.066	0.219	0.074	0.060
43	0.321	0.092	0.073	0.234	0.080	0.067
44	0.347	0.101	0.081	0.249	0.088	0.073
45	0.374	0.113	0.089	0.264	0.096	0.079
46	0.401	0.123	0.099	0.279	0.103	0.086
47	0.429	0.138	0.107	0.295	0.110	0.091
48	0.459	0.152	0.116	0.312	0.119	0.097
49	0.492	0.167	0.128	0.330	0.127	0.103
50	0.530	0.185	0.140	0.349	0.137	0.112
51	0.571	0.202	0.154	0.370	0.144	0.119
52	0.615	0.223	0.172	0.392	0.155	0.132
53	0.664	0.245	0.191	0.415	0.167	0.142
54	0.716	0.269	0.213	0.441	0.180	0.154
55	0.771	0.295	0.236	0.468	0.195	0.167
56	0.825	0.324	0.258	0.497	0.209	0.179
57	0.882	0.348	0.283	0.527	0.225	0.191
58	0.950	0.383	0.312	0.561	0.243	0.202
59	1.036	0.421	0.342	0.598	0.263	0.215
60	1.146	0.467	0.378	0.643	0.284	0.234

Monthly Rates per $1,000 of Coverage for the 20-Year Level Term Life Plan

Volume Band: $100,000 through $499,999 January 2024
Issue Age	Male	Male	Male	Female	Female	Female
Issue Age	Tobacco	Preferred	Super Preferred	Tobacco	Preferred	Super Preferred
18	0.133	0.073	0.057	0.097	0.055	0.045
19	0.133	0.073	0.057	0.097	0.055	0.045
20	0.133	0.073	0.057	0.097	0.055	0.045
21	0.133	0.073	0.057	0.097	0.055	0.045
22	0.133	0.073	0.057	0.097	0.055	0.045
23	0.133	0.073	0.057	0.097	0.055	0.045
24	0.133	0.073	0.057	0.097	0.055	0.045
25	0.133	0.073	0.057	0.097	0.055	0.045
26	0.133	0.073	0.057	0.097	0.055	0.045
27	0.139	0.076	0.059	0.104	0.057	0.046
28	0.147	0.080	0.062	0.112	0.059	0.047
29	0.157	0.084	0.065	0.122	0.062	0.049
30	0.173	0.092	0.072	0.135	0.067	0.053
31	0.186	0.096	0.074	0.146	0.071	0.056
32	0.201	0.101	0.077	0.158	0.075	0.058
33	0.217	0.106	0.078	0.171	0.079	0.060
34	0.236	0.112	0.078	0.184	0.084	0.063
35	0.257	0.118	0.078	0.195	0.088	0.066
36	0.277	0.126	0.080	0.209	0.095	0.070
37	0.291	0.131	0.083	0.228	0.102	0.075
38	0.309	0.138	0.088	0.248	0.110	0.078
39	0.330	0.146	0.093	0.269	0.118	0.082
40	0.359	0.158	0.101	0.289	0.126	0.087
41	0.398	0.173	0.110	0.311	0.134	0.093
42	0.445	0.190	0.122	0.331	0.142	0.100
43	0.499	0.212	0.134	0.353	0.150	0.107
44	0.557	0.232	0.149	0.378	0.159	0.118
45	0.613	0.254	0.163	0.404	0.169	0.127
46	0.670	0.274	0.178	0.433	0.182	0.138
47	0.730	0.296	0.196	0.466	0.196	0.149
48	0.757	0.318	0.213	0.502	0.212	0.163
49	0.820	0.345	0.233	0.540	0.229	0.176
50	0.890	0.379	0.253	0.578	0.248	0.190

Volume Band: $500,000 through $1,000,000 January 2024
Issue Age	Male	Male	Male	Female	Female	Female
Issue Age	Tobacco	Preferred	Super Preferred	Tobacco	Preferred	Super Preferred
18	0.125	0.066	0.047	0.089	0.047	0.035
19	0.125	0.066	0.047	0.089	0.047	0.035
20	0.125	0.066	0.047	0.089	0.047	0.035
21	0.125	0.066	0.047	0.089	0.047	0.035
22	0.125	0.066	0.047	0.089	0.047	0.035
23	0.125	0.066	0.047	0.089	0.047	0.035
24	0.125	0.066	0.047	0.089	0.047	0.035
25	0.125	0.066	0.047	0.089	0.047	0.035
26	0.125	0.066	0.047	0.089	0.047	0.035
27	0.131	0.068	0.049	0.096	0.049	0.036
28	0.139	0.070	0.051	0.104	0.052	0.038
29	0.149	0.074	0.053	0.114	0.055	0.039
30	0.162	0.079	0.057	0.125	0.059	0.042
31	0.175	0.082	0.059	0.136	0.063	0.045
32	0.190	0.086	0.061	0.147	0.067	0.047
33	0.207	0.090	0.064	0.160	0.071	0.050
34	0.225	0.094	0.066	0.174	0.076	0.053
35	0.246	0.099	0.069	0.188	0.080	0.056
36	0.269	0.106	0.073	0.204	0.087	0.061
37	0.285	0.114	0.077	0.221	0.094	0.065
38	0.303	0.122	0.081	0.242	0.102	0.070
39	0.323	0.129	0.087	0.263	0.110	0.075
40	0.352	0.138	0.093	0.283	0.118	0.080
41	0.391	0.152	0.104	0.304	0.126	0.086
42	0.439	0.167	0.116	0.325	0.134	0.093
43	0.493	0.183	0.128	0.347	0.142	0.102
44	0.549	0.201	0.143	0.372	0.151	0.111
45	0.607	0.221	0.156	0.398	0.161	0.121
46	0.664	0.242	0.172	0.428	0.174	0.130
47	0.723	0.265	0.189	0.460	0.188	0.143
48	0.787	0.291	0.207	0.495	0.204	0.156
49	0.854	0.320	0.226	0.533	0.221	0.168
50	0.924	0.353	0.246	0.573	0.240	0.185

You will be billed semiannually 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 $100,000 up to $1,000,000. The 10-year plan is offered for persons aged 18-60. The 20-year plan is offered for persons aged 18-50.

If you choose the Accidental Death & Dismemberment option you will receive the same level of coverage as your Level Term Life Insurance. The Accidental Death Dismemberment rate is $0.03 per $1,000 of coverage per month, regardless of your age, gender and smoking status.

Qualifications for this MSBA Level Term Life Plan offer are few:

You must be a member of MSBA and between the age of 19-60 years of age.
You cannot already be insured by this plan.

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:

All members and spouses/domestic partners must complete an application form for any new coverage or to increase coverage (including dependent coverage) or to begin an initial or subsequent 10 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 on 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 MSBA Level Term Life Plan will start after your application has been approved by the insurer and your first premium has been paid.

Your insurance stops on the earliest of the following dates: the last day of the month during which you are no longer eligible for insurance under the group policy; if you are not totally disabled, the date the group policy terminates; if you are totally disabled, the date ReliaStar Life stops waiving premiums under the Waiver of Life Insurance Premium Disability Benefit; the end of the period for which you paid premiums, if you do not make the next required premium contribution when due.

Accelerated Life Benefit

The Accelerated Life Benefit option is available to help terminally ill insureds during a difficult, and often financially challenging, time. Under this provision, you may request one advance payment equal to 50% of your (or your insured dependent’s) in force life insurance, or $150,000, whichever is less, to be paid while you are still alive. You must have at least $20,000 in Life Insurance coverage in force to qualify for this benefit. The amount of insurance payable after your death will be reduced by this payment. Premium contributions will not be reduced.

This money can be used to help cover high prescription drug costs, medical bills, outstanding debts, to help pay for experimental treatments the cost of modifications to your home or for a family vacation - the choice is yours.

To qualify, you must provide ReliaStar Life with a doctor’s statement which gives the diagnosis of your medical condition and states you have a life expectancy of no more than six months. For additional details and limitations, please see the Certificate of Insurance.

Please note that 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.

How to Apply

Complete, date and sign the Application included in the package. Be sure to indicate the coverage amount of your choice.
Do not send any money until ReliaStar Life Insurance Company has approved your Application and notifies you of the premium contribution due, based on the information you have provided.
Return your completed Application to:
MSBA Group Insurance Program
P.O. Box 14533
Des Moines, IA 50306
or email to:
[email protected]

Consider Your Eligibility

Before you apply for coverage, you must be a member in good standing of MSBA. You must be a member for 30 days before initiating your insurance requests. If you have any questions about membership, see the MSBA home page.

Questions? We're only a phone call away.

If you have questions about your eligibility, call a service representative toll-free at 1-800-501-5776 between 7:30 a.m. and 5 p.m. Central Time, Monday through Friday. Also see Frequently Asked Questions.

AMBA My Account

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Program Administrator

Address AMBA Administrators, Inc. CUSTOMER SERVICE PO BOX 14533 DES MOINES, IA 50306
Phone 1-800-501-5776
Hours M-F 7:30a-5p CT
Email [email protected]

Insurance Company:

ReliaStar Life Insurance Company Minneapolis, MN

Group Level Term Life

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