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Frequently asked questions about getting life and disability insurance, answered.

We reached out to our Risk 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 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. 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. There are no hidden, more expensive, sub-standard rates—the rates you see in our brochures and rate sheets are what you'll get. Plus, we disclose how much you could save with the Cash Refunds.

Q. How does the application process for the AICPA Plans work?
A. The fastest way to apply is online at You could be approved immediately, thanks to our advanced computerized medical underwriting capabilities, and pay for your coverage right away. With our quick CPA Life Express application process, you could receive an instant approval for up to $1,000,000 in life insurance. Answer a few health questions through our standard application process and you could get approved immediately for up to $2.5 million in coverage. It’s an easy way to get the coverage you need, without complicated forms or medical exams. If you don’t qualify immediately, your application is automatically forwarded to Prudential for underwriting review.

You can also apply using a paper 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. That's it! Your form will be forwarded to a dedicated medical underwriter at Prudential who will review the information you provided on the health questionnaire to determine your eligibility.

Q. Do I have to take a medical exam for AICPA Life or Long Term Disability (LTD) Income Plan coverage?
A. In most cases, no medical exam is needed. Depending on your answers to a few basic health questions, you could be automatically approved for Standard or Select rates. If you or your spouse applies for Preferred rates under one of AICPA’s Life Plans, a brief medical exam is required.

Q: If needed, what can I expect as part of the medical exam process?
A: If a medical exam is needed, Prudential’s vendor, Portamedic, 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 a Risk Advisor at 800-223-7473. We’re available 8:30am—6pm ET, Monday-Friday.

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.

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.


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