Skip to main content

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

Learn more

Legal disclaimer

The information provided on this site has been developed by Benefitfocus.com, Inc. and the carriers for general informational and educational purposes. Benefitfocus strives to ensure that this information is up-to-date and accurate.

Certain products available in the Benefit Catalog may be regulated through various state agencies as insurance products. Regulated insurance products are offered through brokers affiliated with BenefitStore, Inc. (doing business as 627 Benefits Insurance in California and 627 Insurance Agency in New York), a licensed insurance agency and wholly owned subsidiary of Benefitfocus, or through your, your association’s, or your employer’s appointed broker as applicable.