AICPA coverages are designed for CPAs by CPAs. They help fill gaps in your financial plan by supplementing existing coverage, with features you may be missing through your employer:

• Group negotiated rates that help make coverage more affordable
• Opportunity to receive Instant Online Approval¹
• Coverage you can keep even if you change jobs or retire, as long as you remain a member
• Annual Cash Refunds paid by the AICPA Trust that may help to lower your cost of insurance²
• Easy claims process helps your loved ones when they need it most
• Access to a range of coverage options that help meet your needs
• Plans that are age as well as gender-based rates that offer women lower rates (Gender-based rates are prohibited in Montana; male rates apply).

¹ In certain circumstances, additional information may be needed. Instant approval is available for Select rates and ages 40-44 could be approved for Preferred rates without a medical exam. For ages 45+ a medical exam is required for Preferred rates.

² Annual Cash Refunds may help lower your cost of insurance. The AICPA Insurance Trust (Trust) reviews a number of factors in determining the amount, if any, of Annual Cash Refunds, such as premiums, claims, expenses, and other charges. These refunds vary year to year and are not guaranteed. The Trust has paid Annual Cash Refunds every year since each Life Insurance Plan’s inception. However, the Trust may suspend the distribution of Annual Cash Refunds at any time. These refunds could vary based on a number of factors, such as your rate class, payment mode, engagement in certain wellness programs, and the premium you pay. Please note, when premiums are lowered, refunds may decrease as well.

You’re eligible to apply for coverage if you’re under age 75; a member of the AICPA, a State Society of CPAs, or other eligible organization; and live in eligible states or territories.

You don’t need to submit a new application to keep your CPA Life Plan. If you pay CPA Life 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 (LPT) Plan but cannot be combined with the Group Variable Universal Life Plan. Depending on qualifying membership under the AICPA and State Society, your total coverage amount under all Plans can be up to $2.5 million if you’re under age 55; $2 million if you’re 55 to 64 years old; up to $1.5 million if you’re age 65 to 69 years old; and for ages 70-74, up to $750,000.

Select and Preferred rates are available to members based on their age and health. When you apply for coverage, you’ll get the best rate possible based on your insurability. View rates for all ages.

Select Rates are available for those ages 45-74

Just answer a few questions about your health. Once approved, you’ll pay 30%-52% less than Standard rates.

Preferred Rates are available for those ages 50-74

Lower your costs even more with Preferred rates and save 19%-66%. Just have $250,000 in CPA Life coverage and provide proof of excellent health including a brief in-home or in-office medical exam.

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 membership.

Yes, please see below for the minimum amount of coverage available to you under CPA Life. For a quote or to apply for coverage under $100K, call 800.223.7473 to speak to us, 8:30am–6:00pm ET, Monday–Friday.

$50,000 for up to age 54

$25,000 for ages 55-69

$10,000 for ages 70-74