One product, three types of benefits

Portrait of laughing young woman in a yellow sweater and blue trousers holding glasses, standing, looking at the camera in front of a yellow-orange background

Everyday Solutions

APL’s Everyday Solutions plan combines benefits from Accident, Critical Illness and Hospital Indemnity insurance* allowing you to choose the plan that matches your way of life — to get coverage where you need most.

Side view of three surfer friends carrying their surfboard walking on the beach.

Why Buy Everyday Solutions?

Select the plan that aligns with your lifestyle and get the extra financial protection where you need it most. Check out the infographic for all the details.

A family of 5 is colorfully celebrating a birthday outside their house with dessert, balloons, and party hats.

What are the benefits of Everyday Solutions insurance?

APL’s Everyday Solutions insurance provides benefits from three products for one easy decision that fits your everyday life.

Three products in one, for an easy decision.

Enjoy the benefits of Hospital Indemnity, Critical Illness and Accident plans in one product. You decide on the plan that focuses on benefits you need for your current stage of life.

Light blue circle with a white

Hospital Indemnity Focused Plan

Looking for more peace of mind? Consider the Hospital Indemnity focused plan if your way of life needs more benefits that focus on the costs of being admitted to a hospital due to an injury or covered sickness.

White outline of a heart with a electrocardiogram line going through the center. The heart lies on top of a light green circle.

Critical Illness Focused Plan

Need help protecting your financial future? If your stage of life requires more benefits that focus on the expenses of a critical illness such as cancer, stroke and heart attack, consider the Critical Illness focused plan.

icon of an orange

Accident Focused Plan

Want to know you’re prepared for unexpected costs? If you find yourself needing more benefits that focus on the unanticipated costs of treating covered accidents, consider the Accident focused plan.

A small brown and white dog with floppy ears is sleeping peacefully on a hot pink pillow

One competitive rate

No matter which plan you choose, you’ll enjoy the same competitive rate.

Questions? We’re here to help!

Find answers to the most commonly asked questions.

If you prefer to talk, you can always call us at 800-256-8606.

Adding dependents to your coverage after the policy has been issued is subject to insurability requirements and requires a new application. Call your agent or contact us by email or call 800-256-8606 and we’ll connect you with your agent. Once we receive your application, we’ll carefully evaluate your application for new coverage and inform you of our decision via mail.

Please be sure all requests are submitted to our office at least 30 days before the desired effective date of coverage.

Do I have to fill out a claim form?

For consideration of most benefits, you need to complete a claim form either by filing your claim online in the Online Service Center or a paper claim form.

We may also need a signed Authorization to request additional information from your doctor to assist us in reviewing your claim, which is included in the claim form to help expedite the process.

Save time by uploading your claim form and supporting documentation from your Online Service Center account, or submit forms by fax at 877-365-9423 or mail to:

P.O. Box 248950,
Oklahoma City, OK 73124-8950

How do I file a claim?

The fastest and easiest way to file your claim is through your Online Service Center account. Sign in or register your account for convenient automated claims submission

For wellness benefits under all plans: Click on “File a Wellness Claim” and follow the prompts to submit your wellness and screening benefit claim.

For all other benefits: Click on “Upload Files” then answer the prompts and attach the required documentation.

You may also submit your completed claim form and supporting documentation to us by fax at 877-365-9423 or mail to:

P.O. Box 248950
Oklahoma City, OK 73124-8950

*These policies provide limited benefits.

Underwritten by American Public Life Insurance Company. 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. This product contains limitations, exclusions and waiting periods. For complete benefits and other provisions, please refer to the policy/certificate/rider. 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.

Other products listed may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. 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.