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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
Coverages3:
To age 80
10 or 20-year level term; then annually increasing rates to age 95 
To age 100 
Cash Refund Oppurtunity4:
Yes
Yes
Yes
Select status rate for Ages:
Yes
Yes
Yes
Preferred Status Rates
Yes
Yes
Yes
Tax-Deferred Cash Accumulation
No
No
Yes
Investment Options
No
No
Yes
​Frequency of Rate Changes5:
Rates increase as you enter a higher age band (at 5 year intervals)
Rates level for 10 or 20 years, depending on the term selected
Rates increase as you enter a higher age band (at 5 year intervals)
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.
3Optional coverages include: Accidental Death & Dismemberment Coverage, Disability Waiver of Contribution, Dependent Child Term Life Coverage.
4Although 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.
5Rates may change on a class-wide basis only. However, no rate increases have occurred in the past on any AICPA endorsed member life insurance coverage and it is not The Prudential Insurance Company of America’s intent to change rates during any LPT term.

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 Benfield Securities, Inc. for the prospectuses. You should read them carefully before purchasing coverage.


Coverage under the Group Life Plans, in addition to Group Variable Universal Life Insurance, is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102. (973) 802-6000. Plan details, limitations and exclusions are described in your certificate. Contract Series 83500. Group Variable Universal Life Insurance (COA #1179, NAIC #68241) (Contract Series 89759) 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 being solely responsible for its financial condition and contractual obligation. GVUL is offered and administered through: Aon Benfield Securities, Inc., Member FINRA/SIPC, 159 E. County Line Rd., Hatboro, PA 19040-1218, 1-800-223-7473. The Plan Agent of the AICPA Insurance Trust is Aon Insurance Services. Aon Benfield 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 have not yet been approved in all states.
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