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​CPA Life, LPT or GVUL—which one is right for you?
Insurance Plan Features:
CPA Life:
LPT:
GVUL:
Eligibility​
AICPA, State Society members or other qualifying organization up to age 74
AICPA members up to age 65
AICPA, State Society members or other qualifying organization up to age 74
Life Insurance Amount1:
Up to $2.5 million
Up to $2.5 million
Up to $2.5 million
Length of Coverage2:
To age 80
10 or 20-year level term; then annually increasing rates to age 95 
To age 100 
Optional Accidental Death & Dismemberment Insurance, Disability Waiver, Dependent Child coverage:
Yes
Yes
Yes
Cash Refund Opportunity3:
Yes
Yes
Yes
Select Status Rates:
Yes
Yes
Yes
Preferred Status Rates
Yes
Yes
Yes
Tax-Deferred Cash Accumulation
No
No
Yes
Investment Options
No
No
Yes
​Frequency of Rate Changes​4:
Lower initial
cost; Rates increase as you age 
Rates level for 10 or 20 years, depending on the term selected
Lower initial 
cost; Rates increase as you age


Coverage is issued by The Prudential Insurance Company of America.

1 The maximum life insurance amounts depend on the member’s age and memberships in the AICPA, a State Society of CPAs or other qualifying organization.

2 Coverage reduces at age 75 and 80 under GVUL; at age 75 under CPA Life. For LPT, at the end of the level period, you may apply for a new level period that ends at age 75.

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


4 Rates may change on a class-wide basis only. Although Prudential reserves the right to change rates, no rate increases have occurred on any AICPA endorsed life insurance coverages and it is not Prudential's intention to change rates during the term of coverage.

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.

Accidental Death & Dismemberment coverage may not currently be available for residents of New Hampshire.

You should consider the coverage and the underlying funds’ investment objectives, risks, charges and expenses carefully befor​e investing. Both the GVUL prospectus and the underlying fund prospectuses contain this and other important information. Contact Aon Securities LLC for the prospectuses. You should read them carefully before purchasing coverage.

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. 


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.

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.


Group Insurance coverages and Group Variable Universal Life (GVUL) coverage are issued by The Prudential Insurance Company of America; and, GVUL is distributed through Prudential Investment Management Services, LLC. 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 83500 & 89759.

1011998-00002-00​                                                                                           

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