Workforce benefits for your

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Groups, Associations and Unions

From benefits to budgets and everything in between, our products and processes are designed to meet the unique needs of all types of groups, associations and unions. APL isn’t specific to any certain market and there’s no industry that we will not try to partner with.

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Secure access to manage your group, association or union

Easily administer your coverage and access employee benefit data, pay bills, enroll, change or delete individuals, download ID cards and more in the Online Service Center.

Helping groups like yours stand out from the crowd.

As a leader at your organization, you can have confidence that APL will help your employees be prepared – with great benefits and great service. It’s a promise we’ve been keeping since 1945.

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Customer Advocacy

Our U.S.-based Customer Care Team provides prompt, accurate and compassionate service when customers need it most. Our colleagues have built the reputation that makes us an A+ rated1 carrier you can trust.

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Custom Tools and Resources

We offer the education, products and support your group needs to attract and retain top workforce talent.

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A Strong Foundation

Our “A+ Superior” financial rating1 is reflective of our long-standing strength and stability – ensuring we’re well positioned to keep the promises we make to our policyholders.

Questions? We’re here to help!

Find answers to the most commonly asked questions.

Still have questions? It’s okay to call! Reach us at 800-256-8606.

How do I make adjustments to my bill?

Our goal is to provide complete and accurate billing statements each month. However, should you need to make any adjustments, the fastest way is through the Online Service Center (OSC). Once you sign in or register your account, you can access My Billing anytime, anywhere to view open invoices, adjust the amount due, pay your invoice online or print an invoice statement.

You may also mark your statement with the updated information and send the corrected bill to us by email or call 800-256-8606 to talk to a team member who will be happy to assist you.

How does an individual cancel their coverage?

If an employee wishes to cancel their coverage, you can do so quickly and conveniently through the Online Service Center (OSC). In the OSC, you can easily add, change and delete coverage for individuals across all our products, with the exception of Disability at this time. 

If you prefer, you may manually adjust your bill by marking through the policy you wish to cancel, then reduce the amount in the Total Amount Due column by the dollar amount cancelled. Submit an adjusted bill to us by email, fax to 877-807-0911 or mail to: APL, P.O. Box 269105, Oklahoma City, OK 73126-9105.

Please include a request for cancellation signed and dated by the employee along with your adjusted payment. There’s no need for any additional forms. 

The individual may choose to mail their cancellation request to: APL, P.O. Box 248950, Oklahoma City, OK 73124-8950. If their premium is not paid within the grace period, their policy will automatically lapse without the need for any additional forms.

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.

1 www.ambest/consumers (05/31/23) (A+ is 2 out of 16 with 1 being the highest)

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.