AICPA Spouse Level Premium Term Life Insurance

You sure can. Depending on your spouse's age and your memberships, the total coverage amount under all Plans can be up to... 
-$2.5 million if your spouse is under age 55; 
-$2 million if your spouse is 55 to 64 years old; 
-$1.5 million if your spouse is 65 to 69; 
-and $750 thousand if 70 or older. 

If your spouse already has coverage under an existing LPT certificate, they can also apply for additional LPT coverage under a new/additional certificate for a combined coverage of up to $2.5 million.

The amount of Spouse coverage cannot exceed the amount you are eligible for as a member.

Preferred: for members and their spouses who are in excellent health when approved for coverage. A brief in-home or in-office medical exam, questionnaire, and a minimum of $250,000 in coverage is required.

Select: for members and their spouses who are in good health when approved for coverage.

Standard: offers easier-to-get rates to every member and their spouse.
 

Already have a Spouse LPT Plan?  View rates for certificates issued prior to June 1, 2021. 

Requesting new or additional coverage for your spouse?  View rates for certificates issued on or after June 1, 2021.

After your spouse's LPT period ends, you may elect another term period or continue your spouse's current LPT coverage by paying annual premiums that increase each year, up to age 95. Your spouses' new term period would be under a new certificate. 
 
At the end of the level period you may apply for a new level period that ends at age 75.
 
Ages under 55 may elect a 10 or 20 year term. And ages 56-65 may elect a 10 year term.

You can reduce your spouse’s coverage amount at any time and can apply for more coverage under another LPT certificate. Your spouse’s total amount of LPT coverage, when combined with other AICPA Spouse Life Insurance, cannot exceed the maximum coverage amount your spouse is eligible for.  

Yes, a new application is required if you're requesting additional coverage. This new/additional coverage would be issued under a new certificate.

1. You can keep your current coverage and also apply for a new certificate (with additional coverage) under the recently enhanced LPT Plan. 
2. Switch from your current LPT Plan to the enhanced LPT Plan by applying for a new certificate. You  would be required to complete a capping and replacement form. 
3. You can stack your LPT coverage with GVUL, CPA Life, or another LPT Policy

To apply for additional coverage or see if you qualify for a lower rate under a new certificate, you must complete an application and undergo the medical underwriting process.

†Certificates issued on or after June 1, 2021, may be eligible for a lower rate.

Please see the Exclusions and Provisions.

Please see the Group Life and Disability Income Medical Underwriting NOTICE.

*Rates may only change on a class-wide basis. 

**The money not used for claims, expenses and other charges is distributed back to the Plan’s participants as an Annual Cash Refund. These refunds vary year to year, and while not guaranteed, Plan participants have received Annual Cash Refunds from the AICPA Insurance Trust every year, without fail, since each Life Insurance Plan’s inception.

***Gender based rates are prohibited in Montana; males rates apply. 

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. 

The products issued by The Prudential Insurance Company of America may not be available in all states. 

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. 

IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

These materials are for informational or educational purposes.  In providing these materials, Prudential (i) is not acting as your fiduciary as defined by the Department of Labor and is not giving advice in a fiduciary capacity and (ii) is not undertaking to provide impartial investment advice as Prudential will receive compensation for its services/products. 

Accelerated Benefit option is a feature that is made available to group life insurance participants.  It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage.  The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits.  Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable.  The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered “terminally ill”.  You may wish to seek professional tax advice before exercising this option.

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. The Plan Agent of the AICPA Insurance Trust, Aon Insurance Services, is not affiliated with Prudential.

Group Variable Universal Life 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.

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. CA COA #1179, NAIC #68241. Contract Series: 83500. 

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