Business owners and Human Resource professionals have never been faced with a greater challenge than that of providing affordable health and disability benefits. Escalating cost, shrinking markets, and governmental regulations all contribute toward the confusion in the decision making process.

Many have found that combining Employer paid benefits with Voluntary Supplemental Benefits an affordable solution. Voluntary Plans are available for Disability, Cancer, Accident, Dental, Medical Supplement and Life Coverage. The Employer receives credit for making the plans available through the convenience of payroll deduction, while the employee has the opportunity to obtain needed benefits. There are normally pricing and underwriting advantages to the employee when benefits are purchased through an employer plan. Voluntary Benefits when combined with a Section 125 Cafeteria Plan provide cost savings for both the Employee and the Employer.

American Public Life has been a leading regional provider of Voluntary Supplemental Plans for over twenty years. Since becoming a part of the American Fidelity Group, APL has expanded its portfolio of products and extended its marketing area to include most of the Southeast, Midwest, Far West and East Coast. Products are available on individual and group platforms providing meaningful benefits that are affordable. APL prides itself in being a Company that is, "Easy to do Business With". Our systems, billing, claims and customer service departments are staffed with experienced individuals who know and understand the needs of the insured and the employer.

American Public Life markets its products through a network of Independent Agents and Brokers. These are individuals who specialize in the Worksite Market and have the experience and knowledge to work with Employers in choosing the benefits and carriers that can best meet the Employers and Employees specific needs.

Let American Public Life help you expand your Employee Benefit program.