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Group Variable Universal Life Insurance

Up to $2.5 million in coverage.

Discover a Life Insurance Plan issued by The Prudential Insurance Company of America that provides a tax-deferred opportunity to build cash value.*

Request your application kit today! Call 800.223.7473

Get your rate in seconds.

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Are you a member of a State Society of CPAs?

Yes

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To request an information kit and application call: 1-800-223-7473

Why are there multiple rates?

Standard rates are only available to members who apply before age 45.

Select rates are available for members ages 45-75 in good health: Just answer a few health questions to apply.

Preferred rates are available for members ages 45-75 in excellent health: A short health questionnaire, brief medical exam, and a minimum of $250,000 in coverage are needed to get lower Preferred rates.

For ages 45+, if you don’t qualify for Preferred or Select rates, you may be offered Standard rates based on your insurability.

You are eligible to apply for Standard rate.

Standard rates are only available to members who apply before age 45.

Select rates are available for members ages 45-75 in good health: Just answer a few health questions to apply.

For ages 45+, if you don’t qualify for Preferred or Select rates, you may be offered Standard rates based on your insurability.

Opportunity for Annual Cash Refunds:

Annual Cash Refunds may lower the cost of insurance. Percentages are based on the participant's age, rate class, and any refund enhancement they are eligible for.
Learn more

Offerings and options available with this Plan:

Dependent Child Coverage
Accelerated Death Benefit for Terminal Illnesses
Accidental Death & Dismemberment
Disability Waiver

Learn more

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Stay covered until age 100

A variety of optional tax-deferred investment funds including a fixed account^*

Flexible withdrawals and loans that you can use however you like (may have tax consequences)^**

Member-exclusive rates help make coverage more affordable

No sales load or surrender charge fees commonly found in other plans

Coverage you can keep, even if you change jobs or retire, as long as you maintain your membership

No medical exam needed for most^†

Starting at age 30, rates increase as you age in 5-year intervals, then at age 50 increase annually See rates at all ages

Frequently asked questions

Insurance can be confusing. We make it simple.

Why choose AICPA Insurance coverage?

AICPA coverages are designed for CPAs by CPAs. They help fill gaps in your financial plan by supplementing existing coverage, with features you may be missing through your employer:

Group negotiated rates that help make coverage more affordable
Coverage you can keep even if you change jobs or retire, as long as you remain a member
Annual Cash Refunds paid by the AICPA Trust that may help to lower your cost of insurance¹
Easy claims process helps your loved ones when they need it most
Access to a range of coverage options that help meet your needs
Plans with age and gender-based rates that offer women lower rates (Gender-based rates are not available in Montana; male rates apply).

¹ The AICPA Insurance Trust (Trust) reviews a number of factors in determining the amount, if any, of Annual Cash Refunds, such as premiums, claims, expenses, and other charges. These refunds vary year to year and are not guaranteed. The Trust has paid Annual Cash Refunds every year since each Life Insurance Plan’s inception. However, the Trust may suspend the distribution of Annual Cash Refunds at any time. These refunds could vary based on a number of factors, such as your rate class, payment mode, engagement in certain wellness programs, and the premium you pay. Please note, when premiums are lowered, refunds may decrease as well.

Who’s eligible to apply for coverage?

You’re eligible to apply for coverage if you’re age 75 or under, a member of the AICPA, a State Society of CPAs, or other eligible organization; and live in eligible states or territories.

Do I need to reapply every year if I want to keep my existing coverage?

You don’t need to submit a new application to keep your Group Variable Universal Life (GVUL) coverage Plan. If you pay Group Variable Universal Life Select rates, you will need to resubmit proof of good health every 20 years; Preferred rates require proof of excellent health every 20 years. If you are not approved for Select or Preferred rates, you can still maintain any current coverage, as long as you remain eligible.

Can I be covered under multiple AICPA Insurance Plans at the same time?

The Group Variable Universal Life (GVUL) Plan can be supplemented with the Level Premium Term (LPT) Plan but cannot be combined with the CPA Life Plan. Depending on qualifying membership under the AICPA and State Society, your total coverage amount under all Plans can be up to $2.5 million if you’re under age 55; $2 million if you’re 55 to 64 years old; up to $1.5 million if you’re age 65 to 69 years old; and for ages 70-75, up to $750,000.

How can I maintain the lowest rate possible as I enter higher age bands?

Select and Preferred rates are available to members based on their age and health. When you apply for coverage, you’ll get the best rate possible based on your insurability. View rates for all ages.

Can I transfer my Group Variable Universal Life (GVUL) coverage to the Level Premium Term (LPT) Plan?

You cannot transfer without medical underwriting from Group Variable Universal Life (GVUL) to Level Premium Term (LPT) Plan. If you want to replace the GVUL coverage with the LPT, a Capping and Replacement application and form must be completed. You may have both coverages as long as the combined face amounts do not exceed the maximum amount of coverage allowed based upon age and membership.

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Rather reach out to us?

Give us a call at 800.223.7473. We’re here to help 8:30am–6pm ET, Monday–Friday.

Looking for more options?

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*Fixed-account guarantee is based on the claims-paying ability of the issuing company. Policy values will fluctuate and are subject to market risk and to possible loss of principal.

**Life insurance policy cash values grow tax-deferred and are potentially income tax-free. Cash values are accessed through withdrawals and policy loans. Withdrawals are generally taxable to the extent they exceed premiums paid into the policy. Any loans that remain unpaid when the policy lapses or is surrendered while the insured is alive will be taxed immediately to the extent of gain in the policy. Unpaid loans and withdrawals will reduce cash values and death benefits.

^†In certain circumstances, additional information may be needed. In most cases, no medical exam needed when applying for Standard or Select Rate Classes. A medical exam will be required to qualify for Preferred rates.

IMPORTANT NOTICE — Please visit www.cpai.com/mib.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

Accelerated Death Benefit Option for Terminal Illness is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered “terminally ill.” You may wish to seek professional tax advice before exercising this option.

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.

Not for use in New Mexico.

Not for residents of New Mexico.

These materials are for informational or educational purposes. In providing these materials, Prudential (i) is not acting as your fiduciary as defined by the Employee Retirement Income Security Act of 1974, as amended, and the guidance and regulations issued by the Department of Labor and is not giving advice in a fiduciary capacity and (ii) is not undertaking to provide impartial investment advice as Prudential will receive compensation for its services/products.

You should consider the coverage and the underlying funds, investment objectives, risks, charges, and expenses carefully before investing. Both the GVUL prospectus and the underlying fund prospectuses contain this and other important information. Visit www.cpai.com/gvulprospectus. You should read them carefully before purchasing coverage.

Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695) (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators, and Berkely Insurance Agency; and in NY, AIS Affinity Insurance Agency. Securities offered through Aon Securities LLC, Member FINRA/SIPC, 1100 Virginia Drive, Suite 250, Fort Washington, PA 19034-3278, 1-800-223-7473. The Plan Agent of the AICPA Insurance Trust is Aon Insurance Services. Aon Securities LLC and Aon Insurance Services are not affiliated with either Prudential or PIMS.

Group Insurance coverages and Group Variable Universal Life coverage are issued by The Prudential Insurance Company of America. Group Variable Universal Life coverage is distributed through Prudential Investment Management Services LLC (“PIMS”). Both are Prudential Financial companies, Newark, NJ. The Booklet Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series: 83500 and 89759.

Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

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