Discover ways you could save on your coverage.

Select your age range to see how much you could save.

Age Range

Rate Classes

Has your health changed since you last applied? You could keep the same reliable coverage at a lower cost by simply applying for a change in rate class.

Apply for a lower rate

Select Plan to view rate class savings:

CPA Life Insurance
Group Variable Universal Life Insurance
Spouse Life Insurance
Select Rates

up to 74% lower than Standard

  • Good health
  • Simply answer a few health questions to apply
  • Maximum age to apply is 74

Annual Cash Refunds

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. 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.

Learn more

Select Plan to view the Annual Cash Refund percentage:

The CPA Life Insurance Plan
Group Variable Universal Life Insurance
Spouse Life Insurance Plan

Please select an age range to view cash refund percentages

Ways you could save even more

Some easy-to-make adjustments could help you save even more on your coverage. Log in to the online Self-Service Center to update your preferences.

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Annual & Semi-Annual Payments

You could increase your Annual Cash Refund by up to 2%** by changing your payment mode.

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Electronic Fund Transfer

Your Annual Cash Refund could increase by $25 if you switch to EFT.

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Multi-Product Coverage

If you own more than one Trust Plan, your Annual Cash Refund could increase by $25.

Life Needs Estimator

In just a few minutes, estimate how much Life Insurance coverage you may need.
Let's find out!
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Frequently asked questions

Our suite of Life Insurance Plans

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CPA Life Insurance

Opportunity for instant approval when you apply for coverage online.

Apply now

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Member / Spouse Level Premium Term Life Insurance

Life Insurance with rates that stay the same for 10 or 20 years.

Apply now

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Group Variable Universal Life Insurance

Life Insurance coverage up to age 100, with investment options.

Apply now

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Spouse Life Insurance

Spouse coverage with the same affordable rates as CPA Life.

Apply now

Coverages are issued by The Prudential Insurance Company of America.

Warnings
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