Having a comprehensive plan that meets all your needs can go a long way towards peace of mind. You may be thinking about saving for retirement or wondering how you will pay for your children’s college education. You’ll want to make sure your loved ones are secure when you’re gone. A plan that meets all these needs is not as difficult to find as you might think. The AICPA-endorsed Group Variable Universal Life (GVUL) Plan, a life insurance contract issued by The Prudential Insurance Company of America (Prudential), is designed to help provide life insurance protection for your family and offer you more. 

With GVUL, you get the same great features as the CPA Life Plan plus:

  • ​Life insurance coverage to age 100 as long as you maintain your membership.
  • A choice of tax-deferred investment options, including a fixed account.*
  • The ability to make withdrawals and loans—usually tax-free**—that can be used for anything, such as paying college tuition.

Our members often cite the insurance products available through the AICPA Insurance Trust as one of the key membership benefits with the AICPA or a State Society of CPAs. You not only get competitive group-negotiated rates, but also great options and features not often found in employer-provided benefits.

*The fixed-account guarantee is based on the claims-paying ability of the issuing company.
** In general, loans are not taxable, but withdrawals are taxable to the extent they exceed basis in the certificate.  Loans outstanding at certificate lapse or surrender prior to the death of the insured will cause immediate taxation to the extent of gain in the certificate.  Different tax rules apply to certificates which are classified as Modified Endowment Contracts.

How Much Life Insurance Do I Need?

It is easy to figure out how much life insurance you need in a few minutes with our Life Insurance Needs Calculator.

ChartClick here to see how GVUL differs from other AICPA Insurance Plans and what options are available.

To request a GVUL kit that contains product information and an applic​ation, please call 1-800-223-7473 or click here. 

GVUL is available in eligible states and territories.

Aon Securities Inc. and Prudential offer this product by pros​pectus only.

Click here​​​ to view our GVUL Prospectus for Certificates effective on or before 12/31/2008

Click here​​​ to view our GVUL Prospectus for Certificates effective on or after 1/1/2009 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

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. ​

This material is for informational or educational purposes. In providing this material, 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 products and services.​​

You should consider the coverage and the underlying funds’ investment objectives, risks, charges and expenses carefully before investing. Both the GVUL prospectus and the underlying fund prospectuses contain this and other important information. Visit cpai.com/gvulprospectus​ for the prospectuses. You should read them carefully before purchasing coverage.

Group Variable Universal Life (GVUL) 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. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract series: 89759. 

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. Securities offered through Aon Securities LLC, Member FINRA/SIPC, 1100 Virginia Drive, Suite 250, Fort Washington, PA 19034-3278, 1-800-223-7473. The Plan Agent of the AICPA Insurance Trust is Aon Insurance Services. Aon Securities LLC and Aon Insurance Services are not affiliated with either Prudential or PIMS.​