Monthly bills are generated and mailed from our office once a month. We strive to have your bill mailed to you by the 25th of the month prior to the premium due. If you have not received your bill by the 1st of the month, when the premium is due, please contact us via email so that we can send you a new bill.

All policies have a 31 day grace period in which premium can be received in our office. Failure to pay the premium within the 31 day grace period will result in termination of your insurance coverage.

American Public Life requires written notice to cancel your policy within the grace period. If premium is not paid within the grace period your policy will automatically lapse. (NO SPECIAL FORM IS REQUIRED)

As a courtesy to our customers, if the policy is eligible to be kept on an individual basis we will notify employees when premiums are no longer being paid through payroll deduction and offer alternative billing methods. Employees requesting to continue their coverage after separation may also complete a BENEFIT CONTINUATION REQUEST CARD and drop it in the mail to us. Your group administrator should have this card in their administration kit. Certain products are only available under a group master policy and can only be carried under the group plan or in some cases under “COBRA”. Upon receipt of your request, we will advise you of your policy’s eligibility.

If you are off work without pay and a premium payment is missed, the policy will lapse. Upon returning to work you must complete the APPLICATION FOR REINSTATEMENT form number MP-3 (6/81) and submit it to our office for approval. Dental policies are not eligible for reinstatement, however if you return to work within 60 days you may pay the entire back premium and continue the dental coverage in force. All other policies are eligible for reinstatement up to 6 months after lapsing. DO NOT RESUME YOUR PREMIUM PAYMENTS UNTIL OUR OFFICE HAS NOTIFIED YOU THAT THE REINSTATEMENT HAS BEEN APPROVED.

Policies other than dental can be reinstated up to 6 months after cancellation. If an insured chooses to cancel his/her policy and later wishes to continue coverage, they will need to complete the APPLICATION FOR REINSTATEMENT form number MP-3 (6/81) and submit it to our office for approval. Upon receipt of the application a determination will be made to approve or decline the reinstatement. You will be notified via letter of our decision. DO NOT RESUME PAYING YOUR PREMIUM UNTIL YOU HAVE BEEN NOTIFIED THAT THE REINSTATEMENT HAS BEEN APPROVED.

• Name change – Complete section 2
• Address change – Section 6
• Change of Occupation – Section 4
• Change of Ownership – Section 3
• Change of Beneficiary – Section 1
• Dropping Dependents
• Dropping policy riders

American Public Life Insurance Company
P. O. Box 925
Jackson, Ms 39205

You may fax your completed form to our office at 1-601-932-9011. All requests for changes should be received in our office 30 days prior to the desired change date.

Insureds wishing to drop dependents from coverage should complete section 6 on the POLICYOWNER’S REQUEST FOR POLICY CHANGE form MP-2 (6/81) indicating “Drop Dependent Coverage” and specifying which dependents, if not all, that should be dropped. Upon receipt of the request our records will be updated. The request for canceling dependents should be received in our office 30 days prior to the desired cancellation date.

Dependents can be added to dental policies on the policy anniversary date or at any time when a qualifying event has occurred. Qualifying events are as follows:

• Marriage
• Divorce
• Birth of a Child
• Adoption of a child or placement of a foster child
• A change in spouses employment
• Death of a spouse

Adding dependents requires a newly completed application. You should contact your local agent or you may email us and we will have an agent contact you. If the Dependents are being added due to a qualifying event, a brief description of the event should be stated on the back of the application. Applications to add dependents must be received in our office 30 days prior to the desired effective date.

Dependents being added to coverage after the policy has been issued are subject to insurability and this change requires a new application to be completed. You may contact your agent or email us and we will have an agent contact you. Upon receipt of the application, a determination will be made for the issuance of the new coverage and a letter advising you of our decision will be sent to you.

Applications to add dependents must be received in our office 30 days prior to the desired effective date.

During the life of the policy, American Public Life will allow one duplicate policy at no charge, just email us or fax us your request at 601-932-9011. If you have previously received a duplicate policy and are in need of another one, you will need to mail your request along with your remittance in the amount of $20.00 to our office at P. O. Box 925, Jackson, Ms 39205.

Complete this form number G-112R (12/02) and mail it to our office at P. O. Box 925, Jackson, Ms 39205 along with a voided check or you may fax your completed form and a copy of the void check to 601-932-9011.

Yes—we need the information necessary to identify your policy and, if it is necessary to request additional information from your doctor, we must have your signed authorization from the claim form to do so.

We will accept legible copies of your medical bills.

This is the bill you receive from the hospital six to eight weeks after discharge that itemizes the charge for every drug you were given, supply you used, x-ray that was taken, etc. It is usually many pages long. It is not the summary bill that shows the charges you incurred from each department of the hospital. The itemized hospital bill lists each item you are being charged for within each department.

No. Doctors and hospitals rarely have any interest in your coverage with us because benefits are normally paid to you unless you assigned them to the medical provider. Therefore, they will not release this type of information to American Public Life. You must obtain the billings showing the charges necessary to file your claim.