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Life Insurance for Spouses and Partners

Help build a solid financial future. AICPA-endorsed Spouse Life offers members’ spouses or partners the opportunity for instant online approval with no medical exam for most.*
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800.223.7473

What is Spouse Life?

Spouse Life, issued by The Prudential Insurance Company of America (Prudential), is endorsed by the AICPA and can help provide financial security for you, your children, dependent parents, and other loved ones.

Apply online and your spouse or partner could be approved instantly for up to $2.5 million in coverage.* It takes just a few minutes, has none of those complicated forms, and is an easy way to help protect your family in the unfortunate event something happens to your spouse.     

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

Why do CPAs need it?

Think about the life that you and your spouse have built together. If something were to happen to you, would your spouse be able to pick up the slack? Similarly, if something were to happen to your spouse, how would you handle it? 
 

No matter where life takes you, whether you change jobs or retire, the Plan covers your spouse until he/she turns 80, as long as you maintain your membership. That’s many great years you’d be helping to protect.

1National Association of Insurance Commissioners, Consumer Research, 2021

of members surveyed recommend the AICPA CPA Life Plan
63%

of young families believe it’s very important for both spouses to have life insurance. Yet only 48% say they actually have purchased life insurance for either spouse.1

What it covers?

  • Up to $2.5 million of coverage

    • Multiple coverage amounts up to $2.5 million are available at competitive group-negotiated rates. The maximum amount of coverage available is based on your spouse's age and your membership. The amount of Spouse coverage cannot exceed the amount you are eligible for as a member.

  • Coverage up to age 80 for your spouse 

    • Even if you change jobs or retire as long as you maintain your membership(s).

  • Accelerated Death Benefit Option for Terminal Illness

    • No-cost option allows participants who become terminally ill while covered to get a portion of their Life Insurance benefit in one lump sum. Your spouse's death benefit will be reduced by the amount that they receive. Your spouse can receive a portion that does not exceed 75% of their Life Insurance amount or $1 million, whichever is less.

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

    • Doubles your spouse’s Life Insurance benefit amount if your spouse dies by accident; suffers the loss of both hands, both feet, sight in both eyes; suffers the loss of one hand and one foot, one hand and sight in one eye, or one foot and sight in one eye.

  • Income Tax-free benefits

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

What it costs?

AICPA-endorsed Spouse Life rates are lower than what you may expect to find elsewhere. For example, monthly rates start at $8.00 for females and $10.00 for males, for $500,000 in coverage.** 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 the premium you pay, and when premiums are lowered, refunds may decrease as well.

Get a Quote
 
Young male professional CPA working on laptop Young male professional CPA working on laptop

Why CPAs choose Spouse Life?

  • Endorsed by the AICPA, it's coverage you can rely on.

  • Lower rates with Annual Cash Refunds that may help to lower your cost of insurance.

  • Instant approval in many cases, without a medical exam.*

  • Coverage stays with you even if you change jobs, as long as you remain a member. 

  • Easy claims process helps your loved ones when they need it most.

  • We are available to help you with any questions.
    800.223.7473.

Who is eligible for Spouse Life?

Spouses or Partners under age 75 who don’t already qualify for an AICPA-endorsed Life Insurance Plan are eligible for coverage. 

To apply, you must maintain your membership in AICPA, a state society of CPAs, or other eligible organization. And your spouse or Partner must be living in eligible states or territories. 

Either a spouse or a Domestic Partner are eligible for coverage under the Spouse Life Plan. 

These are the persons for whom you may obtain Dependents Insurance:

  • Your spouse or Domestic Partner.

Your Domestic Partner is a person of the same or opposite sex who:

  1. you report in an affidavit of domestic partnership satisfactory to Prudential; and
  2. is in a single dedicated, serious and committed relationship with you of at least 12 months; and
  3. has shared a single permanent residence with you for at least 12 consecutive months prior to the person's enrollment in the Program; and
  4. is an unmarried adult age 18 or older; and
  5. is not related to you by blood or a degree of closeness that would prohibit marriage in the law of the state in which you reside; and
  6. is mentally competent to consent to contract; and
  7. is not married to another person under statutory or common law nor in a domestic partnership with another person; and
  8. is financially interdependent with you; and
  9. is not otherwise a Qualified Dependent under the Program.

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 145 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

Most members and their spouses/partners who apply for coverage under Select rates and those with Preferred rates that are age 40-44 can expect to be approved based on their answers to health questions – and could be approved without a medical exam. In the event your application is not approved, you may provide additional medical evidence. For ages 45 and over, to qualify for our lowest rates under the Preferred rate class, you will need to undergo a medical exam.

You don’t need to submit a new application to keep your Spouse Life Plan. If you currently pay 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.

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 Life Insurance coverage continues 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 here.

Resources that might help you

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Disclaimer

If your 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.

Please see the Exclusions and Provisions.

Please see the Group Life and Disability Income Medical Underwriting NOTICE.

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

**Gender based rates are not available in Montana; male rates apply.

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.

Not for use in New Mexico.

Not for residents of New Mexico

Accelerated Death Benefit Option for Terminal Illnesses 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.

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 coverage is 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. Contract Series: 83500.

1043256-00005-00

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