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Term Life Insurance

Will your loved ones continue to have the same lifestyle and opportunities once you’ve passed away? While there’s no way to emotionally compensate for the loss of a loved one, Term Life insurance may help ease financial costs and help protect the ones you love. Whether you’ve never had life insurance or simply want more coverage, you can help provide the financial support your family will need with portable Term Life insurance from APL.

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What are the benefits of life insurance?

Help provide peace of mind for every stage of life. The “term” in Portable Term Life is the period of time you want life insurance coverage. You choose the term that best suits your current stage of life and the amount of coverage you need. Rates are guaranteed to remain level until the end of the term you choose. Our caring team will be with you throughout the entire process with the support you need.

Why Buy Life Insurance?

Portable Term Life insurance from APL is simple, portable coverage for you and your family, no matter where life takes you. Let us show you how.

Portable Plans

Your coverage goes with you through the end of the term, even if you change jobs or retire.

Spouse Benefit

Coverage for your spouse is the same period of time as your term.

Child Benefit

One rate insures all the eligible children in your household, from children 14 days to 26 years old.

Final Expenses

Help cover burial and funeral costs.

Earnings or Inheritance

Leave an inheritance or help replace lost wages of the income earner.

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

Term Life Insurance
Underwritten by American Public Life Insurance Company. This product contains limitations and exclusions. For complete benefits and other provisions, please refer to the policy/certificate/rider. All benefits may not be available in all states and does not replace Workers’ Compensation Insurance.

Other products listed 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.