Accident, Critical Illness, Hospital Indemnity
Overview
Founded in 1945, American Public Life Insurance Company (APL) is a leading provider of voluntary worksite benefits. With sales through independent brokers, APL is changing employee benefits by providing a fully-customizable suite of products to meet the specific needs of groups. With offices in Jackson, Mississippi and Oklahoma City, Oklahoma, APL is licensed to conduct business in 49 states and has a financial rating of A+ (Superior)* through AM Best (www.ambest.com). For more information, please visit www.ampublic.com.
*www.ambest/consumers (05/18/21)(A+ is 2 out of 16 with 1 being the highest)
How it helps
Accident Insurance
You
- Fully customizable for the unique needs of each group.
- Option to offer a traditional schedule-based plan versus an expense-based plan.
- "No maximum age" option available.
Your Employees
- Portable coverage to take if they change jobs or retire.
- Coverage survives the master contract.
- Allows employees to insure their lifestyle.
Critical Illness Insurance
You
- Fully customizable from targeted to expansive plans.
- Takeover available.
- Age-banded or composite rating.
Your Employees
- Covers a variety of illnesses; not one specific illness.
- Portable coverage to take if they change jobs or retire.
- Coverage survives the master contract.
MedChoice Hospital Indemnity Insurance
You
- Fully customizable plans.
- HSA compatible plans with outpatient benefits.
- Attained age or issue age rates available with age-banded or composite rating.
Your Employees
- No health questions.
- Up to four different plan options to choose.
- Portable coverage to take if they change jobs or retire.
Available Products
Learn more
Find out more about how American Public Life's supplemental benefits can help you and your employees.
Limited Benefit Insurance Policy
Underwritten by American Public Life Insurance Company. This product may have limitations and exclusions, all benefits may not be available in all states, does not replace Workers' Compensation Insurance and is inappropriate for people who are eligible for Medicaid coverage. 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.
APESB-911