Experience life’s ups and downs with premiums that stay the same

From day care costs to college tuition and all the mortgage payments in between, you may have some major financial responsibilities on your plate.
 You can help protect your family’s future if the unthinkable happens to you, without stressing over life insurance premiums.

It’s called level premium term life insurance

Level premium term life insurance provides coverage for a defined period of time, usually 10, 15, 20, or 30 years. During that time, your premiums—the amount you pay for coverage—remain the same. Your rates won’t change as you get older or if your health changes during the period you select.

Reasons this might make sense for you:

  • Mortgage. If you have a 20-year home mortgage, then you may want to purchase a 20-year term policy so your family can help pay off the mortgage and remain in their home.
  • Education. You may want to add a 10-year term life policy to help you pay for your child’s education.
  • Loans. If your spouse or partner would be burdened paying off the balance of any outstanding loans you may have, you may need a term life policy to help pay these bills.

Level premium term life insurance offers a flexible and affordable solution: you can choose a term that matches your specific financial obligations, so you aren't paying for coverage you no longer need.

The AICPA Level Premium Term Plan (LPT) offers:

  • Up to $2.5 million in coverage is available, based on your age and you must be a member of the AICPA. The maximum amount of coverage available under the LPT Plan is reduced by any CPA Life, Group Variable Universal Life, or additional AICPA LPT coverage you may have.
  • Term periods of 10 and 20 years: Members up to age 55 may request a 10- or 20-year term, and those ages 56-65 may request a 10-year term
  • Optional Disability Waiver, Accidental Death & Dismemberment (AD&D), and dependent child coverage, as well as a Spouse Level Premium Term Plan, are also available.

Learn more about the AICPA LPT Plan today to decide if it’s right for you. 

AD&D coverage may not currently be available for residents of New Hampshire.

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.

Group Variable Universal Life coverages are issued by The Prudential Insurance Company of America and distributed through Prudential Investment Management Services LLC (“PIMS”). Both are Prudential Financial companies, Newark, NJ.

Group Insurance coverages are 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.


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