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 Approval ¹
• 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 lower your cost of insurance ²
• 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 which offer women lower rates (Gender-based rates are not available in Montana; male rates apply).

You’re eligible to apply for Spouse Life coverage if you’re age 74 or under; a member of the AICPA, a State Society of CPAs, or other eligible organization; and living in eligible states or territories.

You can request Spouse Life coverage if you’re eligible for coverage and your spouse or partner doesn't already qualify for an AICPA Life Insurance Plan. A participant must also be age 74 or under and live in eligible states or territories. You can have coverage under the Spouse Life Plan even if you don’t participate in any AICPA Life Plan.

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.

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.

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. 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.

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. Please see below for the minimum amount of coverage available under Spouse Life. For a quote, or to apply for coverage under $100,000, 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