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Life Insurance for CPAs

The AICPA-endorsed CPA Life Plan can help provide financial protection for your spouse, children, dependent parents, and loved ones. You could be instantly approved for coverage when you apply online. In certain circumstances, additional information and/or a medical exam may be needed. Opportunity for instant approval is available for Select rates, ages 40-44 could be approved for Preferred rates without a medical exam. A brief medical exam is required for Preferred rates for ages 45+.

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What is CPA Life?

CPA Life, issued by The Prudential Insurance Company of America (Prudential), is our most popular Life Insurance Plan and helps financially protect over 99,000 members and their families. It offers up to $2.5 million in coverage and flexible options to meet your needs. You have the opportunity for instant approval and may be approved without a medical exam when you apply online. Once approved, you can keep your coverage up to age 80 as long as you remain a member, even if you change jobs or retire. Members of State Societies are eligible to apply for coverage up to $500,000. AICPA Members are eligible for coverage up to $2 million. Members of both AICPA and a State Society are eligible for up to $2.5 million in coverage.

What is CPA Life? What is CPA Life?

Why do CPAs need it?

CPA Life can help protect you and your loved ones if the unthinkable happens. The right coverage means your family will have the ability to not just pay the bills, but help maintain their quality of life and continue to plan for the future knowing they are more financially protected. At AICPA, we want your family to have the kind of financial insurance protection that they deserve.

102 million

American adults say they need life insurance, or need more coverage.*

CPA Life Features

Coverage that flexes with you
Coverage that flexes with you

A wide range of coverage amounts from $50,000 to $2.5 million, that you can adjust at any time. Members of State Societies are eligible to apply for coverage up to $500,000. AICPA Members are eligible for coverage up to $2 million. Members of both AICPA and a State Society are eligible for up to $2.5 million in coverage.

Up to $2.5 million in coverage Up to $2.5 million in coverage
Affordable coverage
Affordable coverage

Affordable, group-negotiated rates. For example, a 32 yr. old female can apply for $1M in Life Insurance coverage for $20/mo., and a male for $24/mo. Rate are lowest while applying young. Starting at age 30, rates increase in 5-year increments, and at age 50 increase annually. This Plan offers Select coverage for Ages 18-74. At age 40, the Plan offers Preferred or Select rates depending on your health status. If you are not approved for Preferred or Select rates, you may be offered Standard coverage depending on your insurability.

Gender-based rates are not available in Montana; males rates apply.

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Term Period of Your Choice Term Period of Your Choice
Easy application, opportunity for instant approval
Easy application, opportunity for instant approval

Get a Life Insurance quote in minutes and apply online. You could be approved instantly without a medical exam. In certain circumstances, additional information and/or a medical exam may be needed. Opportunity for instant approval is available for Select rates, ages 40-44 could be approved for Preferred rates without a medical exam. A brief medical exam is required for Preferred rates for ages 45+.

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Rates that stay the same Rates that stay the same
Coverage that stays with you
Coverage that stays with you

Even if you change jobs or retire, you can keep your coverage up to age 80, as long as you remain a member.

Coverage that stays with you Coverage that stays with you

Coverage Options & Benefits

Opportunity for Annual Cash Refunds
Opportunity for Annual Cash Refunds

Annual Cash Refunds may help lower your cost of insurance. The Annual Cash Refund distribution percentages are based on the participant’s age, rate class, payment basis, and any other refund enhancements they are eligible for.

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Opportunity for Annual Cash Refunds Opportunity for Annual Cash Refunds
Dependent Child Coverage
Dependent Child Coverage

$6 per year will be deducted from your Annual Cash Refund and insures all of your eligible dependent children. Each dependent child is covered with $10,000 in coverage if he or she is unmarried and under age 25.

Dependent Child Coverage Dependent Child Coverage
Accelerated Death Benefit
Accelerated Death Benefit

For no additional cost, you could get a portion of your CPA Life Insurance benefit in one lump sum if you become terminally ill. Your death benefit will be reduced by the amount you receive. You can receive a portion that does not exceed 75% of your Life Insurance amount or $1 million, whichever is less.

Accelerated Death Benefit Accelerated Death Benefit
Accidental Death and Dismemberment (AD&D) Coverage
Accidental Death and Dismemberment (AD&D) Coverage

For an added cost, double your Life Insurance benefit amount if you have an accident that results in death. You could also receive a benefit partial or equal to your life insurance amount should you experience permanent losses of specific limbs or functions. Accidental Death & Dismemberment Coverage (AD&D) doubles your life insurance benefit amount if you die by accident; suffer the loss of both hands, both feet, sight in both eyes; suffer the loss of one hand and one foot, one hand and sight in one eye, or one foot and sight in one eye.

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Accidental Death and Dismemberment (AD&D) Coverage Accidental Death and Dismemberment (AD&D) Coverage
Disability Waiver
Disability Waiver

For an added cost, continue your coverage with no further contributions if you become totally disabled before age 60. Your coverage is extended at no cost after a nine-month waiting period from the date you became disabled or when proof of disability is provided. With periodic proof of your disability, you’ll be covered to age 80 for CPA Life and to age 75 for AD&D.

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Disability Waiver Disability Waiver

Who is eligible for CPA Life?

  • Members of the AICPA or a State Society of CPAs age 74 and under who live in eligible states or territories have an opportunity to qualify for coverage.
     
  • CPA Life Express Process: AICPA members age 18-39 can apply online in minutes - with only one medical question - and could be instantly approved for up to $1 million in coverage with our accelerated process. State Society members can apply for up to $500k of coverage. In certain circumstances, additional information and/or a medical exam may be needed.
     
  • CPA Life: AICPA members age 18-74 can apply in 20 minutes with a few medical questions, and could be instantly approved for up to $2.5 million in coverage. It’s an easy way to get the coverage you may need, without complicated forms or medical exams. In certain circumstances, additional information and/or a medical exam may be needed. Opportunity for instant approval is available for Select rates, ages 40-44 could be approved for Preferred rates without a medical exam. A brief medical exam is required for Preferred rates for ages 45+.
Who is eligible for CPA Life? Who is eligible for CPA Life?

About the Underwriter

The Prudential Insurance Company of America (Prudential) has been the insurance coverage provider to the AICPA and its members since 1947. Prudential is more than an insurance provider to the AICPA and its members.  We partner with the AICPA to understand its members’ needs and endeavor to ensure that its members and their families achieve financial wellness.  AICPA member’s needs are at the heart of everything we do. When the AICPA decided to partner with Prudential, they joined forces with a company that has helped customers weather wars, the Depression, pandemics and many other challenging events over the past 150 years. Prudential is here to help you solve today’s challenges and support you in whatever lies ahead.
About the Underwriter About the Underwriter
Frequently Asked Questions

Starting at age 30, rates increase in 5-year intervals. At age 50, rates increase annually.

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No, but you must be an AICPA or State Society member to keep your current coverage. If you currently pay Select rates, you will need to resubmit proof of good health every 10 years; Preferred rates require proof of excellent health every 10 years. If you are not approved for Select or Preferred rates, you can still maintain your Life Insurance coverage, as long as you remain eligible.

The CPA Life Plan can be supplemented with the Level Premium Term Plan but cannot be combined with the Group Variable Universal Life Plan. Your total coverage amount under all AICPA Insurance Plans cannot exceed the amount you are eligible for.

Preferred Rates offer the lowest rates available for those that are in excellent health for ages 40-74. A minimum of $300,000 in coverage is required for ages 40-69 and $250,000 for ages 70-74. Ages 40-44 could be approved without a medical exam. Ages 45-74 must undergo a medical exam to qualify. To qualify for Select rates you must be between the ages of 18-74, in good health and answer a few health questions. There is no minimum amount of coverage required, and you could be approved without a medical exam. For ages 40+, if you don’t qualify for Preferred or Select, you may be offered Standard rates based on your insurability.

You cannot transfer without medical underwriting from CPA Life to LPT. If you want to replace the CPA Life coverage with the LPT, a Capping and Replacement application and form must be completed. You may have both coverages as long as the combined face amounts do not exceed the maximum amount of coverage allowed based upon age and memberships. Call to get started, 1-800-223-7473.

Education & Resources

CPAs that purchased this Plan also purchased:

Disclaimer

* LIMRA Barometer Study 2024

Please see the Exclusions and Provisions.

IMPORTANT NOTICE — Please visit www.cpai.com/mib.

Not for use in New Mexico.

Not for residents of New Mexico.

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.

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 details could include but are not limited to rates, rate classes, and rate class expiration. Refer to your Certificate of Coverage and policy booklet and/or contact Aon for Plan details.

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.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

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. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500

©2025 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

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