Q. Who is eligible for coverage?
A. You are eligible to request coverage under the GVUL Plan if you’re under age 75, a member of the AICPA or a State Society of CPAs or other qualifying organization, and living in the United States (except Alaska, Montana & Virginia) or the District of Columbia. GVUL is not currently available in Puerto Rico.

You must maintain your membership to keep your current coverage. However, you have the option to convert your coverage to an individual insurance policy if you cancel your membership(s). Learn more on our Provisions and Exclusions page.

Q. What is GVUL and how does it differ from CPA Life and other typical VUL Plans?
A: GVUL provides life insurance coverage to help secure your family's future, combined with an opportunity to invest. With GVUL, you can:

  • Take out withdrawals and loans at any time for whatever you wish (college tuition, down-payments, etc.)
  • Get life insurance coverage through age 100 (CPA Life only covers you to age 80; age-based coverage reductions apply.)
  • Invest in a variety of tax-deferred investment options—including a fixed account guaranteed not to go below 4.0%. The fixed-account guarantee is based on the claims-paying ability of the issuing company.

And unlike many typical VUL Plans, GVUL doesn’t charge excessive fees such as the sales load and surrender charge fees.

ChartWant to see how the GVUL Plan differs from other life insurance plans offered through the AICPA?  Take a look at our Product Comparison Chart. 



Q: How does GVUL work?
A: Under the GVUL Plan, your premiums cover the cost of your life insurance protection, plus you can contribute additional premiums for investment purposes. (See the chart: How the AICPA GVUL Fund features work for you.​) Your total premium contribution goes directly into your Certificate Fund. Each month, the insurance charges are deducted from your Certificate Fund, while the rest of your premium is allocated among the investment options you selected.

Call 1-800-223-7473 to request a GVUL kit that contains additional information about the Plan.

You can also make additional premium payments to the Plan’s investment options that you have chosen (subject to Plan and Internal Revenue Service maximums). Your Certificate Fund value, which includes any investment gains, losses or earnings, is added to your death benefit and paid to your beneficiary(ies) upon your death, generally free of federal income tax. However, transfer for valuable consideration may result in some or all of the death benefit being subject to income tax.  

Q: How can I apply if I currently do not have any coverage?
A: Aon Securities Inc. and Prudential offer this product by prospectus. You should carefully read it before applying for coverage, forwarding premiums or making investments. Variable investment fund options are subject to investment risk. To request a GVUL kit that contains product information and an application, please call 1-800-223-7473 or click here. GVUL is available in all states (except Alaska, Montana & Virginia) and the District of Columbia. GVUL is not currently available in Puerto Rico.

Q: How do I transfer my CPA Life coverage to the GVUL Plan?
A: You’ll need to complete and submit the GVUL Request for Coverage/Enrollment Forms. To request the appropriate forms, call Aon Securities Inc. at 1-800-223-7473. On the enrollment form, you’ll need to allocate the percentages of the funds that you want to invest in and the amount of additional premium you would like to contribute.

CPA Life participants under age 50 who want the same coverage amount and optional features under the GVUL Plan just need to complete an enrollment form. A medical questionnaire and underwriting approval are not required. Participants aged 50-74 who want the same coverage amount and optional features under the GVUL Plan need to complete an enrollment form and medical questionnaire and pass underwriting requirements.

Q: If I transfer to the GVUL Plan, will my optional coverage, such as Dependent Child Coverage, AD&D and/or Disability Waiver, stay in force?
A: Yes.

Q. Is a medical exam required to receive coverage?
A. Most members and their spouses who apply for coverage under the Standard or Select rates can expect to be approved based on their answers to health questions—and without further medical evidence. Members who are denied may provide medical evidence. If you and your spouse apply for coverage under the Preferred Rates, a brief medical exam is required.

Q. Do I need to complete the entire application to request additional coverage, even if I have had no medical changes since I last applied?
A. Yes, a new application is required if you’re requesting additional coverage. 

Q. If I apply for additional GVUL coverage and it’s denied, does my existing coverage remain in effect?
A. Yes, your current coverage remains in force even if you are denied additional coverage.

Q. How can I decrease my coverage or remove or add an option like Dependent Child Coverage?
A. You can change your coverage at any time through our Online Self-Service Center. Or you can send us a written request with your name, telephone number, account number, requested change(s) to the policy, signature, and date. Mail requests to:

Aon Insurance Services
AICPA Insurance Trust

1100 Virginia Drive, Suite 250​
Fort Washington, PA 19034
Fax: 1-800-242-7248

Please note: Do not request coverage changes on the payment coupon. The changes will not be processed.

Q: Once I reach age 100 and my GVUL Plan is terminated, can my spouse’s coverage under the Spouse Life Plan be maintained?
A. Yes, your spouse’s coverage may remain in force until he or she reaches age 80.

Q: Can I have coverage under the GVUL Plan AND the Level Premium Term Plan?
A: Yes, as long as combined coverage amount does not exceed the maximum amount available for your age under the GVUL Plan.

Q. Can I assign my GVUL coverage?
A. Yes, you can get an Assignment Form here.

Q. How do I increase my coverage or apply for Select or Preferred rates?
A. Please call Aon Insurance Services at 1-800-223-7473 to request information on how to increase your coverage or apply for Select or Preferred rates.

Q. Does my rate increase when I enter a new age group?
A. Yes, GVUL has “step rates," which are increases in five-year bands after you turn 30. You can view the rates for each age group here.​​​

Q. Where can I find Group Variable Universal Life fund prospectuses? 
A. Click here​​ for access to Group Variable Universal Life fund prosspectuses for all variable investment options.

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 cpai.com/gvulprospectus​ 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.