APL offers workforce benefits that may cover costs when major medical insurance doesn’t – helping individuals and families with out-of-pocket expenses and providing brokers and groups with solutions for today’s workforce.
Your workforce benefits partner
Serving employers, associations and unions – big and small
Decide today to protect tomorrow
Even the best medical insurance may have deductibles and copays. Help protect yourself from the high cost of a covered accidental injury.
Learn MoreCancer can be devastating, but you may get financial protection to help cover expenses associated with the detection and treatment of a covered cancer diagnosis.
Learn MoreHelp be financially prepared in the event of a heart attack, stroke, cancer or other covered condition.
Learn MoreShort Term Disability insurance may help protect your paycheck if you experience a covered disability, with cash benefits paid directly to you.
Learn MoreFor more than just hospitalization, it may help cover costs associated with visits to doctors’ offices, emergency rooms, urgent care facilities and more.
Learn MoreWhen costs may not be fully covered by your major medical plan, gap insurance may help pay those out-of-pocket expenses like high deductibles, copays and coinsurance.
Learn MoreMultiple plan options may help provide peace of mind for the future.
Learn MoreIt’s why we’re here!
Whether working from home, the office or on the go – we help provide financial protection, technology solutions and benefits education that are accessible to all employees, all the time.
Access the tools and online resources you need to easily manage your coverage.
Explore our Broker Resource Center to find helpful tools for working with your clients.
Get quick access to benefits information and your online account.
Get 24/7 access to APL policies, claims, ID cards and more in the Online Service Center.
“I’m a colleague at APL but I’m also a customer here. My father had a life policy and I was the beneficiary. When he passed, I called Bessie in Customer Service and she was so helpful and sincere. Not only because I work here but because I’m a customer. She sent me a step-by-step email so I didn’t even have to think. I almost cry when I think about it because I know she treats everyone like that.”
– Olivia C., 2023“APL has the look and feel of a big, corporate company but is able to make decisions and be nimble on the fly. APL’s been able to move and mold to fit any scenario, any case and any challenge that I’ve found in the marketplace.”
– Curt R., National Agency Solutions, 2023“I’m a colleague at APL but I’m also a customer here. My father had a life policy and I was the beneficiary. When he passed, I called Bessie in Customer Service and she was so helpful and sincere. Not only because I work here but because I’m a customer. She sent me a step-by-step email so I didn’t even have to think. I almost cry when I think about it because I know she treats everyone like that.”
– Olivia C., 2023“APL has the look and feel of a big, corporate company but is able to make decisions and be nimble on the fly. APL’s been able to move and mold to fit any scenario, any case and any challenge that I’ve found in the marketplace.”
– Curt R., National Agency Solutions, 2023You 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!
Medical and dental providers can view patient claims status, see explanation of benefits and file claims for APL insureds using our Online Service Center.
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.
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