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Spouse Life Insurance

Help build a solid financial future. AICPA-endorsed Spouse Life offers members’ spouses the opportunity for instant online approval - and they could be approved 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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800.223.7473

What is Spouse Life?

AICPA-endorsed Spouse Life Insurance, issued by The Prudential Insurance Company of America (Prudential), helps provide financial protection for you, your dependents, and loved ones.

Your spouse or domestic partner* could be instantly approved for up to $2.5 million in coverage when applying online. It only takes a few minutes, has none of those complicated forms, and is an easy way to help protect your family if something unexpected were to happen to your spouse. 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+.

The maximum amount of coverage available is based on your spouse’s age and your memberships. The maximum amount your spouse is eligible for cannot exceed the amount you are eligible for as a member.

Young professional CPA couple on tablet outside Young professional CPA couple on tablet outside

Why do CPAs need it?

Think about the life you and your spouse have worked hard to build. If you passed away unexpectedly, would your spouse be able to manage your family’s finances? Similarly, if something happened to your spouse, how would you handle it?

Whether you change jobs or retire, the Spouse Life Plan offers coverage for your spouse up to age 80 as long as you remain a member - helping you protect your family for many years.

of members surveyed recommend the AICPA CPA Life Plan
45%

of Americans would experience financial hardship within six months if their primary wage-holder died.1

Spouse Life Features

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

Coverage amounts are available at competitive, group-negotiated rates. The maximum amount of coverage available is based on your spouse’s age and your memberships. The maximum amount they are eligible for cannot exceed the amount you are eligible for as a member.

Up to $2.5 million in coverage Up to $2.5 million in coverage
Coverage up to age 80 for your spouse
Coverage up to age 80 for your spouse

Even if you change jobs or retire, your spouse can stay covered as long as you remain a member.

Term Period of Your Choice Term Period of Your Choice
Income Tax-free benefits
Income Tax-free benefits

Under current Federal Income Tax rules, the death benefit is generally free from income tax (IRC Section 101(a)).

Rates that stay the same Rates that stay the same

Coverage Options & Benefits

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

For an added cost, double your spouse’s Life Insurance benefit amount if they have an accident that results in death. They may also receive a benefit partial or equal to their Life Insurance amount if they experience permanent loss of specific limbs or functions. AD&D coverage pays an amount equal to your life insurance benefit if you are in an accident and suffer a dual loss of both hands, both feet, sight of both eyes, one hand and one foot, one hand and the sight of one eye, or one foot and the sight of one eye.

One half the amount is paid for any single loss. Proceeds for loss of life are payable to the beneficiary; other losses are payable to the insured member, if living; otherwise, to the beneficiary. AD&D coverage expires at age 75. Not all losses are covered, and some exclusions apply.

View All Rates

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

For no additional cost, participants who become terminally ill while covered can receive up to 75% of their Life Insurance benefit in a single lump sum. Your spouse’s death benefit will be reduced by the amount they receive. They can receive a portion that does not exceed 75% of their Life Insurance amount or $1 million, whichever is less.

Accelerated Death Benefit Accelerated Death Benefit
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.

Learn More

Opportunity for Annual Cash Refunds Opportunity for Annual Cash Refunds

Spouse Life Insurance

Help build a solid financial future. AICPA-endorsed Spouse Life offers members’ spouses the opportunity for instant online approval - and they could be approved 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+.

Apply Now
Get a Quote
800.223.7473

Who is eligible for Spouse Life?

Your spouse/domestic partner can be covered under the Spouse Life Plan, as long as:

  • They reside in eligible states or territories
 
  • Both you and your spouse/domestic partner are age 74 or under
 
  • You are a member of the AICPA, a state society of CPAs, or another qualifying organization

     

Who is eligible for Spouse Life? Who is eligible for Spouse Life?

About the Underwriter

The Prudential Insurance Company of America (Prudential) has been an 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 members’ 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

Spouses or domestic partners applying for coverage under Select rates, and those age 40-44 applying for Preferred rates, have the opportunity for instant approval – and could be approved without a medical exam. For spouses ages 45+, they will need to undergo a medical exam to qualify for our lowest rates under the Preferred rate class. If your spouse is age 40+ and not approved for Select or Preferred coverage they may be offered Standard coverage based on their insurability.

You don’t need to submit a new application to keep your Spouse Life Plan. If you currently pay Select rates, your spouse/domestic partner will need to resubmit proof of good health every 10 years. Preferred rates require proof of excellent health every 10 years. If they are not approved for Select or Preferred rates, they can still maintain their Life Insurance coverage, 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. Your spouse’s/domestic partner’s Life Insurance coverage will continue until he/she reaches age 80.

Yes. Spouse Life has “step rates,” which increase in five-year age bands starting at age 30. At age 50, rates increase annually. You can view the rates for each age group here.

View All Rates

Resources that might help you

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Disclaimer

*Spouse includes domestic partner. Please refer to your policy booklet or visit cpai.com/spouse for more details.

1LIMRA Insurance Barometer Study, 2024

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

Please see the Exclusions and Provisions.

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 spouse’s 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.

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

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.

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.

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 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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