Insurance Programs




CPA Spouse Life Insurance
Other Provisions

Reduction of Coverage at Age 75
At spouse's age 75, your coverage under this Plan will reduce to 25% of the coverage amount in force immediately prior to his/her attainment of age 75, or $250,000, whichever is less.

How Coverage Terminates
Spouse Life Insurance terminates when your spouse reaches age 80, unless you discontinue the insurance earlier. Also, termination occurs if you are no longer a member of the AICPA nor any State Society of CPAs or other qualifying organization, or do not make the required contributions, or the program itself terminates. Should you as the Plan participant die before your spouse, he or she may continue spouse coverage until age 80.

Conversion Rights
Your Spouse Life Insurance includes conversion rights. If your Spouse Insurance terminates because you are no longer a member of the American Institute, nor any State Society of CPAs or other eligible organization, or when your spouse reaches age 80, your spouse has the right to convert the life insurance to an individual Prudential policy without a medical examination or answering health questions. Similarly, if the amount of Spouse Life Insurance is reduced because you are no longer a member of either the AICPA and/or a State Society of CPAs or other eligible organization, or because of your spouse's age, a conversion policy may be obtained for the amount of the reduction. To convert, your spouse must apply within 31 days after the insurance terminates or reduces. Premiums will be the same as those ordinarily charged for an individual policy at the time of conversion. For plans covering Minnesota residents, special rules apply for conversions.


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