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Accident Insurance

Accidents happen every day.

Even the best medical insurance may have deductibles, copays and co-insurance. Accident Insurance can help protect against the high cost of a covered accidental injury.


You get paid directly for the expenses incurred as the result of a covered accident.


Funds can be used for anything — medical and non-medical expenses, such as loss of income, rent/mortgage, utilities, childcare and more.

Accident insurance from APL may help cover the medical and non-medical costs of covered accidental injuries. 

Benefit Options

Doctor’s Office Visits

Emergency Treatment, Urgent Care

Ambulance Transportation

Diagnostics, X-rays

Intensive Care Admission

Physical Therapy, Rehabilitation and more!

Key Features


Guarantee Issue with no medical questions, exams or appointments*


Convenient payroll deduction and cost-effective premiums


You decide how to use the benefit funds—for medical and non-medical expenses


Multiple plan options makes covering yourself or your family easy

To learn more about APL’s Limited Benefit Accident Insurance products, ask your employer!

*Guarantee issue is subject to the group meeting participation requirements.

The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For complete information, please consult the product brochure for your state or contact APL. This product is inappropriate for people who are eligible for Medicaid coverage.

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APL Accident Insurance For Brokers

Choose from Accident Medical Expense (AME) (covers actual charges) and Traditional Indemnity plans


Traditional Indemnity Plan Offers:

  • Organized Sports Benefit Booster applies to children and adults
  • Telemedicine Benefit
  • Extended Treatment Benefit covers Chiropractic Therapy, Acupuncture Therapy and Mental Health Services
  • Injury Free Benefit – 3 (or 5) years without a claim qualifies the insured for a benefit payout
  • Post Traumatic Stress Disorder (PTSD) Benefit
  • Prescription Drugs Benefit
  • Gunshot Wound Benefit


Plus, All APL Products Offer

  • Incredible flexibility - any benefit can be included/excluded
  • Portability available and can survive the master contract
  • Filed to use with employer groups, associations and unions


Contact Broker Resources Today!



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