Help provide peace of mind

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We’ve got you covered with a flexible portfolio of workforce benefits and supplemental health insurance. Our broker partners are equipped to provide customized solutions for organizations of any size, in almost any industry, across the country.

Our Products

We help people prepare for the unexpected with financial protection from the costs of covered accidents and illnesses. Our supplemental benefits may help cover the out-of-pocket expenses major medical wasn’t designed to pay.

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Accident Insurance

Accidents can happen anytime, anywhere. Accident insurance may help protect against the high cost of a covered accidental injury.

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Cancer Insurance

A cancer plan may provide financial protection to help cover expenses associated with the detection and treatment of a covered cancer diagnosis.

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Critical Illness Insurance

Help manage deductibles, out-of-pocket costs and even non-medical expenses after a heart attack, stroke, cancer or other covered condition.

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Disability Insurance

Short Term Disability insurance is designed to help with the loss of income due to a covered accident, injury or mental health condition.

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Hospital Indemnity Insurance

Help with expenses from a hospital stay, outpatient surgery, urgent care, physical therapy and more. Benefit funds can be used for medical and non-medical costs.

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Gap Insurance

Help cover expenses major medical doesn’t, like deductibles and copays, with benefits paid directly to individuals or assigned to providers.

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Term Life Insurance

Multiple plan options may help provide peace of mind for the future.

Elevated benefit solutions

Our approach to benefits delivers solutions at every level

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For Brokers

Provide alternatives to high-cost medical plans with tailored coverage for a total benefits solution.

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For Groups

Balance individual benefit needs to attract and retain top talent without impacting the bottom line.

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For Individuals

Access to specialized coverage and important benefits that may help with rising medical costs.

Questions? We’re here to help!

Find answers to the most commonly asked questions.

If you prefer to talk, you can always call us at 800-256-8606.

Do I have to fill out a claim form?

For consideration of most benefits, you need to complete a claim form either by filing your claim online in the Online Service Center or a paper claim form.

We may also need a signed Authorization to request additional information from your doctor to assist us in reviewing your claim, which is included in the claim form to help expedite the process.

Save time by uploading your claim form and supporting documentation from your Online Service Center account, or submit forms by fax at 877-365-9423 or mail to:

P.O. Box 248950,
Oklahoma City, OK 73124-8950

How do employees make policy changes?

To request a change to their policy, including change of address, name, occupation, dependent coverage, remove a rider or request a duplicate policy, employees should download and complete the applicable section(s) of the Policyowner’s Request form and return to us by fax at 877-807-0911 or mail to:

P.O. Box 269105
Oklahoma City, OK 73126-9105

Please be sure all requests are submitted to our office at least 30 days before the desired change date.

How do I get contracted and appointed to be an APL broker partner?

When you partner with APL, you get more than a carrier. Simply head over to our Partner With APL page, answer a few questions and a sales team member in your area will connect within 24-48 hours to discuss your unique needs.

Helpful resources for every step

Access the tools and online resources you need to easily manage your coverage.

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Broker Resources

Explore our Broker Resource Center to find helpful tools for working with your clients.

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Group Resources

Get quick access to benefits information and your online account.

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Individual Resources

Get 24/7 access to APL policies, claims, ID cards and more in the Online Service Center.

Insured with APL?

You can count on friendly, personal service whether you have questions about your policy or need help filing a claim. Support is a click away or just give us a call. We’re here to help!

Underwritten by American Public Life Insurance Company. These products may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. A hospital is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. All benefits may not be available in all states. Some products may not replace Workers’ Compensation Insurance and may be inappropriate for people who are eligible for Medicaid coverage.