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​CPA Life, LPT or GVUL—which one is right for you?
Insurance Plan Features:
CPA Life:
LPT:
GVUL:
Eligibility​
AICPA, State Society members or other qualifying organization up to age 74
AICPA members up to age 65
AICPA, State Society members or other qualifying organization up to age 74
Life Insurance Amount1:
Up to $2.5 million
Up to $2.5 million
Up to $2.5 million
Length of Coverage2:
To age 80
10 or 20-year level term; then annually increasing rates to age 95 
To age 100 
Optional Accidental Death & Dismemberment Insurance, Disability Waiver, Dependent Child coverage:
Yes
Yes
Yes
Cash Refund Opportunity3:
Yes
Yes
Yes
Select Status Rates:
Yes
Yes
Yes
Preferred Status Rates
Yes
Yes
Yes
Tax-Deferred Cash Accumulation
No
No
Yes
Investment Options
No
No
Yes
​Frequency of Rate Changes​4:
Lower initial
cost; Rates increase as you age 
Rates level for 10 or 20 years, depending on the term selected
Lower initial 
cost; Rates increase as you age

Coverage is issued by The Prudential Insurance Company of America.

1The maximum life insurance amounts depend on the CPA’s age and memberships in the AICPA, a State Society of CPAs or other qualifying organization.

2Coverage reduces at age 75 and 80 under GVUL; at age 75 under CPA Life. For LPT, at the end of the level period, you may apply for a new level period that ends at age 75.

3Although not guaranteed, participants under all AICPA Insurance Trust life insurance plans have received Cash Refunds from the Trust, every year without fail since each Plan's inception.

4Rates may change on a class-wide basis only. Although Prudential reserves the right to change rates, no rate increases have occurred on any AICPA endorsed life insurance coverages and it is not Prudential's intention to change rates during the term of coverage.

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.

This Material is for informational or educational purposes only.  The information is not intended as investment advice and is not a recommendation about managing or investing assets or retirement savings.  In providing these materials, Prudential is not acting as your fiduciary as defined by the Department of Labor.

Group Insurance coverages and Group Variable Universal Life (GVUL) coverage are issued by The Prudential Insurance Company of America; and, GVUL is distributed through Prudential Investment Management Services, LLC. Both are Prudential Financial companies, and located in Newark, NJ. This document is intended to be a summary of benefits and does not include all policy provisions, exclusions, and limitations. A Booklet-Certificate, with complete information, including limitations and exclusions, will be provided. If there is a discrepancy between this document and the Booklet-Certificate issued by Prudential, the terms of the Booklet-Certificate will govern. Contract Series 83500 & 89759. GVUL coverage is offered and administered through Aon Securities Inc., Member FINRA/SIPC, 1100 Virginia Drive, Suite 250, Fort Washington, PA 19034-3278.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.

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.

0265063-00007-00​                                                                                                                      

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