For Individuals

Personal health insurance provides affordable insurance protection to meet your changing needs, whether it is for unexpected health expenses, change of lifestyle or job. Spouses are eligible for term life insurance at the same low rates. Join your fellow CPAs and benefit from group purchasing power.

Life & Disability ProductsView Details

Term Life Insurance

Term life insurance offers a temporary financial safety net to help protect you and your family when you need it, flexible enough to suit any budget and situation. Choose your benefit level, designate a beneficiary, and discover what we offer to suit your situation and protect your family.

Accidental Death & Dismemberment

Unfortunately, accidents do happen. If the unexpected occurs, you should have the comfort of knowing your financial future is protected by our AD&D insurance.

It can be purchased on an individual or family basis, and provides extra protection in the event of an accident, resulting in serious injury or loss of life. The more serious the injury, the greater the payment you will receive.

Long Term Disability Insurance

If the unfortunate happens and you are unable to work for an extended period of time because of illness or injury, the long term disability (LTD) plan may help replace your earnings until you are able to return to work.

Critical Illness

Medical advances have greatly increased our ability to survive many life-threatening illnesses, but when illness strikes, the financial burden can be as crippling as the physical toll. Existing private does not cover many expenses associated with a critical illness and public health care plans. Critical Illness is designed to provide financial security when illness puts assets and savings at risk, so you can focus on what’s important – recovering your health. Critical Illness covers the four most common critical illnesses; heart attack, stroke, life threatening coronary artery bypass surgery, and cancer; plus eleven other conditions.

Product Summary of Coverage
Term Life Choose the coverage you need
Top up your employer plan to protect your family or business
Individual Maximum of $ 2,000,000, Reduces by 50% at age 66, Terminates at age 71
Spouse Maximum $ 2,000,000
Dependent child $10,000 for children to age 22 and fulltime students to age 25
Long term disability Coverage at 60% on the 1st $11,668 of & 50% of earnings thereafter Maximum $10,000/month
Accidental Death & Dismemberment Coverage is optional
Coverage is equivalent to life insurance
Pays in the event of:

– Accidental death 100 %
– Loss of sight, arms, feet, speech and hearing 100%
– Paraplegia, hemiplegia, or quadriplegia 200%
– Loss of one hand or one foot 80%
– Loss of sight, speech or hearing in both ears 75%
– Loss of thumb and index finger, 4 fingers on one hand or hearing in one ear 40%
– All toes on one foot 33.3%
– Critical illness 10 % Repatriation, rehabilitation, spousal retraining, home & vehicle modification, family transport
– up to $15,000 Daycare/education up to $5,000/4 years

Critical illness Choose the coverage you need
Lump sum benefit paid when diagnosed with a critical illness. Maximum $250,000 coverage Critical illness covered include heart attack, stroke, cancer, multiple sclerosis, cancer, kidney failure and others
Office overhead Eligible with the purchase of long term disability
Cover your monthly overhead expenses Maximum $6,000 monthly benefit
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Home & AutoView Details

Home and Auto Insurance Program

As the leading provider of group home and auto insurance, we know how important it is to save wherever you can. As a member of CPA Insurance Plans West, you benefit from special privileges, such as preferred group rates, enhanced coverage and flexible limits. We make insurance easy to understand so you can choose your coverage with confidence. Request a free, no-obligation online quote today.

Get A Quote or call 1-855-674-6356

Travel Insurance - Coming SoonView Details

CPA Insurance Plans West knows that all hardworking CPAs are eager to travel away from home in order to ease their minds, and should not have to worry about any liabilities. Our exclusive travel insurance has you and your family covered. We provide you with travel insurance options that allow you and your family to travel worry-free anywhere in the world, at a preferred low premium. Enjoy affordable and comprehensive travel insurance, and great vacations.

New product coming in 2017  – stay tuned for more!

Health & DentalView Details

Enjoy affordable health and dental coverage that is sure to keep a smile on your face. If you’re in the process of retiring or have already started to enjoy retirement within the last 60 days, then this coverage is a must.

You’ve worked hard to enjoy the free time your retirement brings and you don’t need that spoiled with concerns about unexpected dental or health costs. But what’s the point of living in a country with one of the best healthcare systems in the world if you’re worried about unexpected expenses in using it? You can rest assured with our flexible, affordable, superior health and dental coverage.

Coverage can include:

  • There is no age restriction on Individuals.
  • Coverage for pre-existing medical conditions.
  • Hospital accommodation of $225 per day for up to 90 days a year.
  • Visioncare coverage up to $200 every 24 months with an additional $75 for eye exams!
  • Available prescription drug coverage up to $2,000 per person per year, with no lifetime maximum.
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Background - Individual Insurance