AICPA Life Insurance for Spouses and Partners

Most members and their spouses/partners who apply for coverage under the Standard or Select rates can expect to be approved based on their answers to health questions – and without more medical evidence. If denied, there may be the option to provide medical evidence. In the event your application is not approved, you may provide additional medical evidence. To qualify for our lowest rates under the Preferred rate class, you will need to undergo a medical exam.

No, you don’t need to submit a new application to keep your spouse’s coverage. But, when the time comes, you'll need to resubmit proof of your spouse’s excellent health for Preferred rates (available at age 50) and of good health for Select rates (available at age 45), every 20 years. If your spouse is not approved for Select or Preferred rates, your spouse can still maintain their life insurance coverage at their current rate, as long as they remain eligible.

Yes, as long as the combined coverage amount doesn’t exceed the maximum amount available based on your spouse's age and your memberships.  The amount of Spouse coverage cannot exceed the amount you are eligible for as a member. 

Yes. Spouse Life has “step rates,” which increase in five-year age bands after age 30. You can view the rates for each age group here.

Please see the Exclusions and Provisions.

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

*In certain circumstances, additional information may be needed. Instant approval is available for Standard or Select rates only. A brief medical exam is required for Preferred rates. The maximum amount of coverage available is based on your spouse’s age and your memberships. The amount of Spouse coverage cannot exceed the amount you are eligible for as a member.

**Gender based rates are prohibited in Montana; male 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 COVER-AGE FOR SICKNESS.

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 ad-ministration 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 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.

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