Having a comprehensive plan that meets all your needs can a go a long way towards peace of mind. You may be thinking about saving for retirement or wondering how you will pay for your children’s college education. You’ll want to make sure your loved ones are secure when you’re gone. A plan that meets all these needs is not as difficult to find as you might think. The AICPA-endorsed Group Variable Universal Life (GVUL) Plan, issued by The Prudential Insurance Company of America (Prudential), is designed to help provide that life insurance protection for your family and offer you more.

With GVUL, you get the same great features as the CPA Life Plan plus:

  • Life insurance coverage to age 100.
  • A choice of tax-deferred investment options, including a fixed account guaranteed not to go below 4.0%. *
  • The ability to make withdrawals and loans—usually tax-free**—that can be used for anything, such as paying college tuition.

Our members often cite the insurance products available through the AICPA Insurance Trust as one of the key membership benefits with the AICPA or a State Society of CPAs. You not only get competitive group-negotiated rates, but also great options and features not often found in employer-provided benefits.

*The fixed-account guarantee is based on the claims-paying ability of the issuing company.
** In general, loans are not taxable, but withdrawals are taxable to the extent they exceed basis in the certificate.  Loans outstanding at certificate lapse or surrender prior to the death of the insured will cause immediate taxation to the extent of gain in the certificate.  Different tax rules apply to certificates which are classified as Modified Endowment Contracts.

How Much Life Insurance Do I Need?

It is easy to figure out how much life insurance you need with our 3-minute Life Insurance Needs Calculator.

ChartClick here to see how GVUL differs from other AICPA Insurance Plans and what options are available.

VideoClick here to view our video that explains AICPA Life Plan’s rate classes, how to lower your costs and more. 

To request a GVUL kit that contains product information, prospectuses and an application, please call 1-800-223-7473 or click here.

GVUL is available in all states (except Alaska, Maine, Montana & Virginia) and the District of Columbia. GVUL is not currently available in Puerto Rico.

Aon Securities Inc. and Prudential offer this product by prospectus only.

Click here to view our GVUL Prospectus for accounts issued before Jan. 1, 2009

Click here to view our GVUL Prospectus for accounts issued after Jan. 1, 2009 


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.

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. Contact Aon Securities Inc. for the prospectuses. You should read them carefully before purchasing coverage.

Group Variable Universal Life Insurance (contract series 89759) is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102, and is distributed by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ 07102-4077, each being a Prudential Financial company, and each is solely responsible for its financial condition and contractual obligations. Coverage is offered and administered through Aon Securities Inc., Member FINRA/SIPC, 159 East County Line Road, Hatboro, PA 19040-1218, 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.