Coverage Amounts Available

Up to $2.5 million in life insurance coverage is available, depending on your age and membership(s). See the Coverage Amount and Rate Chart for details.​​

How Much Life Insurance Do I Need?

It is easy to figure out how much life insurance you need in a few minutes with our Life Insurance Needs Calculator.

Cash Refunds can lower the cost of your insurance.
The GVUL Plan offers yearly Cash Refunds, which help make AICPA life insurance solutions some of the most competitively priced in the industry. Although refunds can’t be guaranteed, participants in all AICPA I​nsurance Trust Life Plans have received Cash Refunds from the trust every year without fail since each Plan's inception. Click here to see the Cash Refunds from the prior year.

Optional Dependent Child Coverage
For $6 a year, you can insure all your eligible dependent children with $10,000 of term life insurance. The benefit is paid to the Plan participant and the cost is deducted from your future Cash Refunds. See the eligibility information below: 

  • Coverage begins at your child’s birth; there is no waiting period and no evidence of insurability is required.

  • A dependent child is covered if he or she is unmarried and under age 25.

  • Coverage may continue past age 25 for incapacitated children.

  • Legally adopted and stepchildren who depend on the insured member for support and maintenance may also be covered.

You can only elect Dependent Child Coverage under one AICPA Insurance Trust Life Plan. For more information on this coverage, please call Aon Securities Inc. at 1-800-223-7473.

Accelerated Death Benefit Option Feature for Terminal Illnesses

This is a no-cost option to the Plan that allows participants, who become terminally ill while covered, get a portion of their life insurance benefit in one lump sum. Your death benefit will be reduced by the amount you receive. You can receive a portion that does not exceed 75% of your life insurance amount or $1 million, whichever is less.

The Accelerated Death Benefit Option is 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.

Optional Accidental Death and Dismemberment (AD&D) Coverage
AD&D insurance is 24-hour, around-the-world accident coverage. This option will double your life insurance benefit amount if you:

  • die by accident

  • suffer the loss of both hands, both feet, sight in both eyes

  • suffer the loss of one hand and one foot, one hand and sight in one eye, or one foot and sight in one eye.

One-half the amount is payable for the loss of one hand, one foot or sight in one eye. The total payment for any accident will not exceed the full amount of the AD&D insurance.

Proceeds for loss of life are payable to the beneficiary. Proceeds for other losses are payable to you. The AD&D insurance benefit is payable in addition to any other insurance. This coverage ends when you turn 75. You can review the AD&D rates and exclusions that apply.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York Department of Financial Services. THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Optional Waiver with Waiver of Monthly Insurance Charges
If you choose this option and become totally disabled before age 60 and remain disabled for nine consecutive months, your monthly cost of insurance charges will be waived until age 80 (certs. issued on or after 1/1/2009), or until you recover, if sooner. You may continue to make premium contributions to your investment options, but any AD&D coverage you may have will be suspended while your cost of insurance is waived.

Even if you didn’t make the required contributions or didn’t submit proof of disability, your death benefit will still be paid if you die within one year from when required premiums were not paid . However, your family must provide written notice of your death to Prudential within one year of  the date of your death. Disability Waiver benefits don’t apply to the Accidental Death and Dismemberment portion of your coverage, or to any Dependent Child Coverage you may have. Click here to see the rates.

Convenient Coverage
You can keep your coverage even if you change jobs or retire, as long as you maintain your membership in the AICPA, State Society of CPAs or other qualifying organization.

Investment Options, including a guaranteed 4.0% fixed rate account
With GVUL, you have a variety of stock and bond investment options from well-known fund families to choose from. You also get a fixed account with a guaranteed 4.0% minimum rate of return, based on the claims-paying ability of the issuing company. Plus, if your financial needs change, GVUL lets you adjust how much, when and which investment options you contribute to.

GVUL’s Tax Advantages
If you pay premiums with after-tax dollars, your GVUL waiver benefit is generally free from income tax (IRC Section 104) under current federal law.

Other tax advantages under the GVUL Plan include:

  • Tax-deferred earnings. Under current law, your investment earnings are tax-deferred, which can further add to your Certificate Fund's growth potential.
  • Tax-free withdrawals. Because you withdraw the cost basis before any taxable amount, withdrawals from your account are generally tax-free. Interest, dividends and gains are tax-deferred and are generally not taxable as long as the amount of the withdrawal is less than your total contributions and less any previous tax-free distributions. Loans and withdrawals will affect policy values and may have tax consequences. You should consult with your tax advisor. Additionally, if your contributions to GVUL exceed certain IRS limits and your GVUL certificate becomes a modified endowment contract (MEC), less favorable tax rules will apply for lifetime distributions such as loans and assignments.
  • Income tax-free benefit to your beneficiaries. The death benefit, which is the face amount of the insurance plus the investment fund balance (less outstanding loans, interest and any past due charges), is paid to your beneficiaries.
  • Call 1-800-223-7473 to request a GVUL kit that contains additional information about the Plan.

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    IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.​

    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.

    This material is for informational or educational purposes. In providing this material, Prudential (i) is not acting as your fiduciary as defined 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 products and services.

    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​ for the prospectuses. You should read them carefully before purchasing coverage.

    Group Variable Universal Life (GVUL) coverage is issued by The Prudential Insurance Company of America and GVUL is distributed through Prudential Investment Management Services LLC (“PIMS”). Both are Prudential Financial companies, Newark, NJ. Contract series: 89759. Coverage is offered and administered 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 Inc. and Aon Insurance Services are not affiliated with either Prudential or PIMS.

    Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (TX 13695); (AR 244489); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.