Frequently asked questions about getting life and disability insurance answered.

We reached out to our Advisors at the AICPA Insurance Trust to find out what questions they are asked most about the application process, and we got the answers. Read on to find out what it means to be "medically underwritten,” if you need a medical exam to get coverage and more. 

Q. Can I get AICPA-endorsed Life Insurance or Long Term Disability (LTD) Income Plan coverage, issued by The Prudential Insurance Company of America (Prudential), if I have an existing medical condition?
A. For many conditions, yes you can. Just because you have a medical condition does not mean you are automatically excluded for coverage.  Medical Underwriting guidelines take into account many factors related to specific medical conditions. These factors include, but are not limited to, date of diagnosis, current treatment, prognosis, etc. If you are denied for coverage, you have the right to appeal by providing additional supporting documentation relative to your medical condition.
Q. If I get approved for coverage with a medical condition, won’t my rates be astronomical?
A. While some insurance plans may have a complex rate structure that they hide from applicants, AICPA Insurance Trust rates are fully disclosed in all our materials.
Q. How does the application process for the Plans work?
A. The fastest way to apply is online at You could be approved immediately for many Plans, thanks to our advanced computerized medical underwriting capabilities, and pay for your coverage right away. With our quick CPA Life Express process (for members age 18-39), you could receive an instant approval for up to $1,000,000 in Life Insurance by answering just one question. Answer a few more health questions through our standard application process and you could get approved immediately for up to $2.5 million in CPA/Spouse Life coverage. The maximum amount of coverage available depends on your age and memberships. For Spouse Life the maximum amount of coverage available is based on your spouses age and cannot exceed the maximum amount of coverage available to you as a member. In some circumstances, your application is automatically forwarded to underwriting for further review. You may also be instantly approved for up to $12,000 in monthly Disability coverage when you apply online. It’s an easy way to get the coverage you may need, without complicated forms or medical exams in most cases.
Another option to apply is with the application you receive in the mail (call 800-223-7473). The application form is easy to fill out regardless of how you apply—simply elect your coverage options and answer a brief health questionnaire if required. That's it! If further review is required your form will be forwarded to a medical underwriter at Prudential who will review the information you provided and determine your eligibility.

Q. Do I have to take a medical exam for AICPA-endorsed Life or Long Term Disability (LTD) Income Plan coverage?
A. Most members don’t need one when applying for Life Insurance Plans, and that’s a good thing. You can expect to be approved for coverage based on your answers to health questions—and without a medical exam. If you are age 45 or over and are applying for coverage under the Preferred rates, a brief medical exam is required when applying for CPA Life, Spouse Life or Group Variable Universal Life Plans. A brief in-home or in-office medical exam is needed when applying for the Level Premium Term and Level Premium Spouse Plans. You and your spouse’s age and health are factors in which rate class you/your spouse are eligible for.
In most cases, medical exam is not required for coverage under the LTD Income Plan.
Q:  If needed, what can I expect as part of the medical exam process?
A:  If a medical exam is needed, Prudential’s vendor, ExamOne, will contact you to schedule an exam at a time and location convenient for you, such as your home or office. This medical exam is conducted at no cost to you and provides the information Prudential’s underwriters need to make an informed decision quickly. The medical exam may include tests such as:

  • Basic medical questions
  • Height and weight measurements
  • Blood pressure reading
  • Collection of blood and urine samples
  • Cardiac test
Q. If I need to get an exam, what are some tips to get the best results?
  • Be as relaxed and well-rested as possible.
  • Take any medications you normally take.
  • Do not drink alcohol at least eight hours before your exam.
  • Do not smoke or chew tobacco for at least one hour prior to your exam.
  • Avoid caffeine (including coffee, tea, and caffeinated soft drinks) for at least one hour prior to your exam.
  • Limit salt intake and high cholesterol foods 24 hours before your exam.
  • Do not engage in strenuous exercise 24 hours before your exam.
  • Drink a glass of water approximately one hour before your exam.
  • If fasting is required for your blood test, be sure to follow the directions given to you.
Read more FAQs at or call an Advisor at 800-223-7473. We’re available 8:30am—6pm ET, Monday-Friday.


For CPA and Spouse Life: If your coverage was issued prior to November 1, 2022, some of your current Plan details will differ and may be impacted if you apply to make changes. For example, certain impacted features could include but are not limited to rate class expiration and evidence of insurability requirements. Refer to your policy booklet and Certificate of Coverage or contact Aon for Plan details.
Not for use in New Mexico.
Not for residents of New Mexico.
This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services.

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.

Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695) (AR 100106022); in CA & MN, AIS
Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators, and
Berkely Insurance Agency; and in NY, AIS Affinity Insurance Agency. Securities offered through Aon Securities LLC, Member FINRA/SIPC, 1100 Virginia Drive, Suite 250, Fort Washington, PA 19034-3278, 1-800-223-7473. The Plan Agent of the AICPA Insurance Trust is Aon Insurance Services. Aon Securities LLC and Aon Insurance Services are not affiliated with either Prudential or PIMS.
Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500. CA
COA# 1179, NAIC 68241.
Group Variable Universal Life (GVUL) coverage is issued by The Prudential Insurance Company of America and distributed through Prudential Investment Management Services LLC (“PIMS”). Both are Prudential Financial companies, Newark, NJ.

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