Workforce Benefits that work for

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.

Who We Serve

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Brokers

Your workforce benefits partner

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Groups

Serving employers, associations and unions – big and small

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Individuals

Decide today to protect tomorrow

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Coverage for today’s modern workforce

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.

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.

Testimonials

“I have been working with American Public Life (APL) since I entered the benefits industry. APL has never made me look bad, which is a big deal for me. With so many carriers out there that offer different products, the decision ultimately comes down to who will be the best and easiest for me to work with. Who can I rely on? Who is going to make my life easier when I need something? That’s APL, and it always has been. ”
– Stephen Parrish, Southeast Insurance Group, 2024
“We have chosen to use APL for workplace benefits over others because they are much easier to work with. The claim process is straightforward, and they consistently respond to emails when we encounter issues. Additionally, the rates for these benefits are very competitive.”
– Russell Blanchard, R.J. Blanchard Benefit Services, 2024
“We work with APL for many reasons. The flexibility and the plan designs are first and foremost – this allows us to customize products and services for our large, national clients. They have a great customer service team. We call directly into the people we need to reach and they’re always there for us.”
– Lee Stokes, Fidelity Enrollment Services, 2024
“We’ve been working with APL for the last ten years, and their customer service is outstanding. We have a special connection with the Broker Resources team – they’re with us every step of the way, helping us to secure benefit offerings that fit our clients’ needs.”
– Karen Puerta, Benefits in a Card, 2024
“We love to work with APL, mainly because of the people we get to work with. No matter what’s going on in the market, they are ready to help us, and things get done quickly. In the world of voluntary benefits, where, unfortunately, service with many carriers seems to be lacking, APL is the total opposite. As a broker, when you’re looking to check all the boxes to make your life easy and to make things great for your client, APL is the way to go for.”
– Danny Riehm, APL Broker Partner, 2024
“What makes APL different from other carriers is the great customer service they always give to my clients, my agents and co-workers.”
– Jamie Sutherland, UTBA, 2024
“I have been working with American Public Life (APL) since I entered the benefits industry. APL has never made me look bad, which is a big deal for me. With so many carriers out there that offer different products, the decision ultimately comes down to who will be the best and easiest for me to work with. Who can I rely on? Who is going to make my life easier when I need something? That’s APL, and it always has been. ”
– Stephen Parrish, Southeast Insurance Group, 2024
“We have chosen to use APL for workplace benefits over others because they are much easier to work with. The claim process is straightforward, and they consistently respond to emails when we encounter issues. Additionally, the rates for these benefits are very competitive.”
– Russell Blanchard, R.J. Blanchard Benefit Services, 2024
“We work with APL for many reasons. The flexibility and the plan designs are first and foremost – this allows us to customize products and services for our large, national clients. They have a great customer service team. We call directly into the people we need to reach and they’re always there for us.”
– Lee Stokes, Fidelity Enrollment Services, 2024
“We’ve been working with APL for the last ten years, and their customer service is outstanding. We have a special connection with the Broker Resources team – they’re with us every step of the way, helping us to secure benefit offerings that fit our clients’ needs.”
– Karen Puerta, Benefits in a Card, 2024
“We love to work with APL, mainly because of the people we get to work with. No matter what’s going on in the market, they are ready to help us, and things get done quickly. In the world of voluntary benefits, where, unfortunately, service with many carriers seems to be lacking, APL is the total opposite. As a broker, when you’re looking to check all the boxes to make your life easy and to make things great for your client, APL is the way to go for.”
– Danny Riehm, APL Broker Partner, 2024
“What makes APL different from other carriers is the great customer service they always give to my clients, my agents and co-workers.”
– Jamie Sutherland, UTBA, 2024

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!

Provider Resources

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.