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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 Opportunity4:
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:
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

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. Optional Accidental Death and Dismemberment Coverage terminates at age 75.

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. Although Prudential reserves the right to change rates during the 10- or 20-year term, no rate increases have occurred in the past 30 years 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.

Coverage under the Group Life Plans is issued by The Prudential Insurance Company of America, Newark, NJ. Plan details, limitations and exclusions are described in your certificate. Contract Series: 83500. (COA #1179, NAIC #68241) 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 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.

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.

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