Level Premium Term (LPT) Insurance

When you need life insurance—but not forever.

LPT Insurance offers up to $2.5 million in coverage with steady rates for 10- or 20-year terms for predictable, transparent costs and additional protection for your loved ones.

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Member-exclusive, group-negotiated rates to help make coverage more affordable
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10- or 20-year term options to help cover temporary expenses such as school tuition, car loans, or mortgages
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Up to $2.5 million of coverage available to you and/or your spouse

For AICPA members: Coverage up to $2.5 million for ages 54 and under; up to $2 million for ages 55–64; up to $1.5 million for age 65. The maximum amount of Spouse coverage cannot exceed the amount you are eligible for as a member.

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Keep your coverage—even if you change jobs or retire

You can keep your coverage as long as you maintain your membership.

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Rates stay the same for the length of the term

Rates may be changed on a class-wide basis only.

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Reliable coverage is issued by The Prudential Insurance Company of America

Frequently asked questions.

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
  • 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 insurance1
  • Easy claims process helps your loved ones when they need it most
  • Access to a range of coverage options that help meet your needs
  • Age- and gender-based rates that offer women lower rates (Gender-based rates are not available in Montana; male rates apply)

1 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, and the premium you pay. Please note, when premiums are lowered, refunds may decrease as well.

Maximum coverage amounts available1


LPT coverage is only available to AICPA members. The minimum amount of coverage for Select and Preferred rates is $100,000. The minimum amount of coverage for Standard rates is $250,000.

1The amount of Spouse coverage cannot exceed the amount you are eligible for as a member.

If you currently have coverage under the AICPA LPT Plan and want additional coverage or to see if you qualify for a lower rate under a new certificate2, there are several options:

  1. You can keep your current coverage and also apply for a new certificate (with additional coverage) under the LPT Plan.
  2. Switch from your current LPT Plan to the enhanced LPT Plan by applying for a new certificate. You would be required to complete a capping and replacement form. You can stack your LPT coverage with Group Variable Universal Life, CPA Life, or another LPT Policy. Similarly, Spouse LPT coverage can be stacked with Spouse Life.
  3. To apply for additional coverage or see if you qualify for a lower rate under a new certificate, you must complete an application and undergo the medical underwriting process.

2Certificates issued on or after June 1, 2021, may be eligible for a lower rate.

Three different rate classes are offered: Standard, Select, and Preferred. Preferred offers the lowest rates to members and their spouses in excellent health (based on the results of a medical exam). And, while we expect that many members and their spouses will be approved for Preferred, you may be offered Select or Standard rates based on your or your spouse's health status. But, you'll get the best rate possible based on your or your spouse's insurability.

You can apply for another level period for you or your spouse:
  • Ages 18-55 are eligible for a 10- or 20-year term period
  • Ages 56-65 are eligibile for a 10-year term period
Or, you can apply for another Insurance Plan. Of course, you can also continue your or your spouse's current LPT coverage without a level period—just pay an annual premium that increases each year, up to age 95.
You can reduce the coverage amount at any time and can apply for more coverage under another Level Premium Term (LPT) certificate. The total amount of LPT coverage, when combined with other AICPA Life Insurance Plans, cannot exceed the maximum amount of LPT Life Insurance coverage available to you or your spouse. Make sure you take advantage of your options when you first apply. That's the only time you'll be able to choose them.
No, but you must be an AICPA member in order to keep coverage for you or your spouse.
The LPT Plan can be stacked with CPA Life or the Group Variable Universal Life (GVUL) Plan coverage. For Spouse coverage, it can be stacked with the Spouse Life Plan. Under your AICPA membership, the total coverage amount can be up to $2.5 million for ages under 55; $2 million for ages 55 to 64 years old; and up to $1.5 million for age 65. The amount of Spouse coverage cannot exceed the amount you are eligible for as a member.

Looking for more options?

Explore the AICPA Life and Disability Insurance Plans available to you and your spouse.

See all Plans

Have more questions?

Give us a call at 800.223.7473. 8:30 am–6pm ET, Monday–Friday.

Or, if you can't chat right now, complete the below form and a live representative will reach out shortly.

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*Accidental Death and Dismemberment doubles your and/or your spouse's life insurance benefit amount if you and/or your spouse die by accident; suffer the loss of both hands, both feet, sight in both eyes; suffer the loss of one hand and one foot, one hand and sight in one eye, or one foot and sight in one eye.

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

This is not a guarantee of coverage: You must first apply in order to qualify. Rates are based on the information provided and are subject to change.

The rates and product information outlined on this page apply to certificates issued on June 1, 2021, and later. For current participants interested in applying for lower rates or more coverage you would need to apply for coverage under a new certificate.

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.

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

Not for residents of New Mexico.

Not for use in New Mexico.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

For AD&D 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.

Aon Insurance Services is the brand name for the brokerage and program administration 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

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© 2026 Prudential Financial, Inc. and its related entities

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