American Public Life Insurance Company: A Comprehensive Overview
Welcome to an in-depth exploration of American Public Life Insurance Company, widely known as APL. This comprehensive guide serves as a detailed resource for individuals, employers, and brokers seeking to understand the full scope of APL’s operations, offerings, and standing in the insurance industry. From its foundational history to its current market position, this page provides factual, detailed information to answer your most pressing questions about the company. Whether you are a potential policyholder evaluating your options, a business owner looking for employee benefits, or a partner seeking to collaborate, this information is designed to provide clarity and insight into what American Public Life stands for and the value it provides. We will delve into every facet of the company, covering its corporate journey, financial strength, product portfolio, regulatory standing, and commitment to its members.
What is American Public Life? A Basic Company Overview
American Public Life Insurance Company (APL) is a leading provider of supplemental life and health insurance products and services. Headquartered in Oklahoma City, Oklahoma, the company has established itself as a significant player in the voluntary benefits market. APL specializes in designing and distributing insurance solutions primarily for public and private sector employees at their worksite. The core mission of the company revolves around providing financial protection and peace of mind to individuals and families during times of unexpected medical events or loss.
The company’s business model is centered on a worksite marketing approach, meaning its products are typically offered to employees through their employer as part of a benefits package. This distribution method allows for more accessible and often more affordable coverage options than might be available on the individual market. APL’s portfolio is specifically crafted to supplement major medical insurance plans, helping policyholders cover the out-of-pocket costs that primary insurance often doesn’t, such as deductibles, copayments, and non-medical expenses like travel for treatment or lost wages.
American Public Life operates as a subsidiary of a larger financial group, which provides it with substantial financial backing, operational resources, and strategic guidance. This relationship enhances APL’s stability and capacity for growth, allowing it to continually invest in product development, technology, and customer service infrastructure. The company prides itself on a customer-centric philosophy, aiming to deliver straightforward, easy-to-understand insurance products backed by responsive and compassionate claims processing. This focus on simplicity and service is a cornerstone of its brand identity and a key differentiator in a complex industry. For potential customers, this translates into an experience designed to be less about navigating bureaucratic hurdles and more about receiving timely financial support when it is needed most.
Who Owns American Public Life Insurance Company?
A critical aspect of understanding any insurance provider is its corporate structure and ownership. American Public Life Insurance Company is a proud member of the American Fidelity family of companies. American Fidelity Assurance Company, the parent organization, is a prominent, privately-owned provider of employee benefits, with a long and distinguished history in the insurance sector.
Being part of the American Fidelity Group provides APL with significant strategic advantages. This includes access to a vast reservoir of industry expertise, advanced technological platforms, and a robust capital base that ensures long-term financial stability and the ability to meet its obligations to policyholders without fail. The affiliation fosters a culture of integrity, innovation, and unwavering commitment to the customer. While APL operates as a distinct entity with its own specific product lines and market focus, it benefits immensely from the shared resources and ethical framework of its parent company. This structure allows AP to maintain the agility and specialized focus of a niche carrier while leveraging the strength and security of a major national insurance group. For policyholders and partners, this ownership structure signals reliability, financial solvency, and a long-term commitment to the market.
The Complete Company History of American Public Life
The journey of American Public Life Insurance Company is a narrative of steady growth, strategic adaptation, and an unwavering focus on its core mission. Understanding this history provides context for the company’s present-day values and operational strategies. The story is not one of flashy, overnight success, but of deliberate, thoughtful expansion built on a solid foundation of service and financial prudence.
When Was American Public Life Founded? The Early Years
American Public Life Insurance Company was founded in 1945. Its inception took place in Jackson, Mississippi, a location that served as its home base for many decades. The post-World War II era was a time of significant economic expansion in the United States, with a growing middle class and an increasing demand for financial security products. APL was established to meet this need, initially focusing on providing fundamental life insurance and health policies to individuals and families in the Southeast.
During its formative years, the company concentrated on building a reputation for reliability and personal service. It operated with a conservative business philosophy, prioritizing the long-term security of its policyholders above rapid, risky expansion. The founders envisioned a company that would be a trusted partner to its customers, helping them protect their families and financial futures. This foundational ethos of trust and security became deeply embedded in the company’s culture and has guided its decisions throughout its history. The early focus on the worksite market also began to take shape during this period, as the company recognized the efficiency and effectiveness of offering benefits through employers, a model that would become its primary strategic focus in the decades to come.
A Period of Strategic Growth and Evolution
As the American economy and the healthcare landscape evolved, so did American Public Life. The latter half of the 20th century saw a dramatic increase in the complexity and cost of medical care. In response, APL began to pivot its product development strategy towards supplemental health insurance. This was a critical and prescient move. The company astutely identified a growing gap in the market: while major medical insurance covered hospital and doctor bills, it often left individuals with substantial out-of-pocket expenses.
APL began to design and offer products specifically intended to fill these gaps. Policies such as cancer insurance, critical illness insurance, and hospital indemnity plans became central to its portfolio. These products provided direct cash benefits to policyholders upon diagnosis or hospitalization, allowing them to use the funds for any purpose, whether for medical bills, mortgage payments, or daily living expenses. This shift solidified APL’s identity as a specialist in the supplemental benefits space. This era was also marked by a gradual geographic expansion beyond the Southeast, as the company began to seek licensing in more states, methodically growing its footprint across the nation. This was not a rapid, aggressive push but a careful, state-by-state expansion built on establishing strong relationships with local brokers and employers.
Understanding Major Acquisitions and Expansions
A key driver of American Public Life’s growth and enhanced capabilities has been its strategic acquisitions and corporate integrations. These moves were not merely about increasing size but were calculated decisions designed to bolster its market position, expand its product portfolio, and leverage synergistic strengths.
The Landmark Acquisition by American Fidelity
The most significant event in American Public Life’s modern history was its acquisition by American Fidelity Assurance Company. This transaction marked a pivotal turning point, integrating APL into a larger, nationally recognized family of insurance providers. The acquisition was finalized, bringing APL under the umbrella of the Oklahoma City-based American Fidelity Group.
This was not a hostile takeover or a simple absorption. It was a strategic partnership that recognized the unique strengths of both organizations. American Fidelity, with its deep roots in the public education and municipal employee benefits markets, saw APL as a complementary entity that could help it expand its reach and diversify its offerings, particularly in the private sector and with a different set of supplemental products.
What did the acquisition mean for American Public Life?
Enhanced Financial Strength: Becoming part of the American Fidelity Group immediately fortified APL’s financial position. It gained access to a much larger capital base, enhancing its claims-paying ability and providing greater security for its policyholders. This financial stability is reflected in the high ratings it consistently receives from independent rating agencies.
Operational Synergies: The integration allowed APL to tap into American Fidelity’s advanced administrative and technological infrastructure. This included sophisticated claims processing systems, robust data analytics capabilities, and state-of-the-art digital platforms for enrollment and account management. These synergies led to increased operational efficiency, reduced administrative costs, and an improved service experience for customers and brokers.
Expanded Market Access: The partnership opened up new distribution channels and market opportunities for APL. Leveraging American Fidelity’s extensive network of brokers and its established relationships with large employers and public sector entities, APL was able to introduce its products to a much wider audience than it could have reached on its own.
Relocation and Centralization: Following the acquisition, a strategic decision was made to relocate APL’s headquarters from Jackson, Mississippi, to American Fidelity’s corporate campus in Oklahoma City, Oklahoma. This move was crucial for maximizing the synergies between the two companies. It facilitated closer collaboration, streamlined communication, and allowed for the full integration of support functions like IT, human resources, finance, and compliance. Centralizing these operations created a more cohesive and efficient organization, positioning both companies for sustained, collaborative growth. This move symbolized the full integration of APL into the American Fidelity family, creating a unified hub of expertise in supplemental benefits.
This acquisition was a transformative event that propelled American Public Life into a new era of growth and capability. It preserved the company’s legacy and brand identity while equipping it with the resources of a major national insurer, creating a powerful combination of specialized focus and enterprise-level strength.
Key Metrics: American Public Life by the Numbers
To fully grasp the scale and stability of an insurance company, it is essential to examine its key performance metrics. These numbers provide a quantitative, fact-based snapshot of the company’s market presence, financial health, and operational scope. The following metrics for American Public Life are based on the latest available public data and regulatory filings.
How Many Members/Enrollees Does American Public Life Have?
American Public Life provides coverage to a substantial and growing number of individuals across the United States. While the precise, real-time number of enrollees fluctuates with new business and policy lapses, the company consistently serves hundreds of thousands of policyholders. Through its worksite marketing model, it has established a presence in thousands of businesses, school districts, and government entities. The total number of lives covered extends well into the high six figures, a testament to the trust that employers and their employees place in APL’s products. This large and stable membership base provides a predictable stream of premium income, which is fundamental to the company’s financial stability and its ability to pay claims promptly.
What is American Public Life's Annual Revenue?
The financial performance of American Public Life is robust, reflecting its strong market position and prudent management. As a subsidiary of a privately held company (American Fidelity), detailed, standalone fiscal year revenue reports for APL are not always publicized in the same way as those for publicly traded corporations. However, data from statutory financial statements filed with insurance regulators provide a clear picture of its financial health.
American Public Life consistently generates annual revenues in the hundreds of millions of dollars from premiums and investments. For instance, in recent reporting periods, the company’s total admitted assets have been valued at over a billion dollars, with direct premiums written annually reaching well over $200 million. This consistent and significant revenue stream underscores the company’s successful business strategy and the high demand for its supplemental insurance products. It demonstrates a strong financial engine capable of supporting its operations, investing in growth, and, most importantly, fulfilling its financial promises to policyholders.
What are American Public Life's Coverage States?
American Public Life Insurance Company has a broad national footprint, enabling it to serve a diverse range of clients across the country. The company is licensed to sell insurance products in 49 states and the District of Columbia. The only state where it is not currently licensed to operate is New York, which has a unique and highly complex regulatory environment that many national carriers choose not to enter.
This extensive licensure is a significant asset. It allows APL to partner with national and multi-state employers, offering a consistent benefits package to their employees regardless of their location. For brokers, it means they can confidently recommend APL solutions to a wide array of clients without being constrained by geographic limitations. The process of securing and maintaining licenses in nearly every state requires a substantial investment in compliance and legal resources, and APL’s ability to do so speaks to its commitment to operating on a national scale and adhering to the varied regulatory requirements of each jurisdiction.
What is American Public Life's NCQA Rating?
American Public Life specializes in supplemental insurance, not comprehensive major medical insurance. Supplemental plans, such as cancer, critical illness, or hospital indemnity, pay fixed cash benefits directly to the policyholder and do not manage care or contract with specific provider networks in the same way a health plan does. Therefore, NCQA ratings are not applicable to the types of insurance products offered by American Public Life. This is not a negative reflection on the company; it simply means that its business model falls outside the scope of what the NCQA evaluates. Policyholders should instead look to financial strength ratings (from agencies like AM Best) and state regulatory compliance as the primary indicators of APL’s quality and reliability.
How Many Employees Work at American Public Life?
As an integrated member of the American Fidelity Group, American Public Life’s employees are part of a larger corporate family. The American Fidelity Group as a whole employs over 2,000 individuals across the country, with a significant concentration at its corporate headquarters in Oklahoma City.
While APL has its own dedicated teams for product development, sales leadership, and specialized services, it shares many corporate functions with its parent company. This includes IT, human resources, legal, compliance, marketing, and finance departments. This shared services model is highly efficient, allowing APL to access a deep pool of talent and expertise without the need to duplicate these functions internally. The company’s culture, heavily influenced by American Fidelity, is consistently recognized as a top workplace, known for its focus on employee well-being, professional development, and community involvement. This positive work environment translates into a stable, motivated, and customer-focused workforce dedicated to serving APL’s policyholders and partners.
What Insurance Products & Services Does American Public Life Offer?
American Public Life has carved a niche in the insurance marketplace by focusing exclusively on supplemental benefits. These products are not designed to replace major medical insurance but to work alongside it, providing an additional layer of financial protection. The entire portfolio is built to help individuals and families manage the high out-of-pocket costs and non-medical expenses associated with significant health events. The products are known for their straightforward benefit structures, often paying a lump-sum or fixed-dollar amount directly to the policyholder, offering maximum flexibility in how the money is used.
Breakdown of APL Plan Types Offered
APL’s product suite is comprehensive, covering a wide range of potential health-related financial needs. Each plan is designed to address a specific set of risks, allowing employers to build a customized voluntary benefits package that is most relevant to their workforce.
Critical Illness Insurance
What it is: This is one of APL’s flagship products. Critical Illness insurance provides a lump-sum cash benefit upon the diagnosis of a covered serious illness. Covered conditions typically include life-threatening events like a heart attack, stroke, invasive cancer, end-stage renal failure, major organ transplant, and coronary artery bypass surgery.
How it works: Upon receiving a confirmed diagnosis for a condition specified in the policy, the policyholder files a claim. Once approved, APL pays the full benefit amount (e.g., $10,000, $20,000, or more, depending on the chosen coverage) directly to the insured. The money can be used for any purpose—to pay medical deductibles and copays, cover travel expenses for specialized treatment, replace lost income during recovery, or simply manage regular household bills. Many policies also include a wellness benefit that pays a smaller amount each year for undergoing routine health screenings.
Cancer Insurance
What it is: While Critical Illness insurance covers cancer, a standalone Cancer Insurance policy offers more specialized and extensive benefits related to a cancer diagnosis and treatment. It is designed to provide financial support throughout the entire cancer journey.
How it works: Unlike a single lump-sum plan, Cancer Insurance often pays benefits for specific treatments and related expenses. This can include payments for radiation and chemotherapy, hospitalization, surgery, anti-nausea medication, experimental treatments, and even non-medical costs like transportation and lodging. The policy will have a schedule of benefits outlining the specific dollar amount paid for each covered service or event.
Accident Insurance
What it is: This plan provides cash benefits for injuries sustained in a covered accident. It is designed to help with the immediate medical costs and recovery expenses that accidents often entail, whether they happen on the job (if 24-hour coverage is elected) or off.
How it works: The policy pays set dollar amounts for specific injuries and treatments. For example, a policy might pay $500 for a broken leg, $200 for an emergency room visit, $150 per day of hospitalization, and a set amount for follow-up physician visits or physical therapy sessions. It covers a wide range of events, from fractures and dislocations to burns and concussions.
Hospital Indemnity Insurance
What it is: With major medical plans increasingly featuring high deductibles and hospital copayments, Hospital Indemnity insurance has become a crucial benefit. This plan pays a fixed dollar amount for each day a policyholder is confined to a hospital.
How it works: For example, if a policy has a $500 per day benefit and the insured is hospitalized for four days, they would receive a direct payment of $2,000. Policies often include additional riders or built-in benefits for intensive care unit (ICU) confinement, which pay a higher daily amount, as well as benefits for emergency room visits or outpatient surgery.
Short-Term Disability Insurance
What it is: This insurance is a form of income replacement. It is designed to pay a percentage of an employee’s weekly income if they are unable to work due to a qualifying, non-work-related illness or injury.
How it works: After a short waiting period (known as an elimination period, often 7 or 14 days), the policy begins paying weekly benefits directly to the employee. The benefit amount is typically 50-60% of their gross weekly earnings, up to a maximum amount. The payments continue for a specified duration, usually ranging from 13 to 26 weeks, helping the employee cover their living expenses while they recover.
Life Insurance
What it is: APL offers both Term and Whole Life insurance policies on a group basis through the worksite. These policies provide a death benefit to the designated beneficiaries upon the passing of the insured.
How it works:
Term Life: Provides coverage for a specific period (the “term”). It is generally the most affordable option and is designed to cover needs that have a finite duration, such as a mortgage or raising children. It often includes options for spousal and child coverage.
Whole Life: Provides lifelong coverage as long as premiums are paid. It builds cash value over time, which the policyholder can borrow against or surrender. Whole Life is often used for final expense planning and leaving a legacy. APL’s group whole life plans are often portable, meaning an employee can keep the coverage even if they leave their job.
What is the American Public Life Provider Network?
A key feature and benefit of American Public Life’s insurance products is that they do not have provider network restrictions. This is a critical distinction from major medical insurance (HMOs, PPOs). Because APL’s plans pay cash benefits directly to the policyholder, the insured is free to seek treatment from any licensed doctor, specialist, or hospital they choose.
Coverage is not dependent on whether a provider is “in-network” or “out-of-network.” The trigger for a claim is the diagnosis of a covered illness or the occurrence of a covered medical service (like a hospital stay), not the specific provider who rendered the care. This freedom of choice is a significant advantage, especially for individuals dealing with a serious diagnosis who may want to seek a second opinion or travel to a renowned treatment center without worrying about network limitations. The claims process requires documentation of the medical event (e.g., a diagnosis report, a hospital bill) but does not restrict where that event can take place.
Are There Digital Tools Available for APL Members?
Yes, American Public Life, in conjunction with the American Fidelity Group, provides a suite of digital tools designed to simplify the benefits experience for both employees and employers. Recognizing the importance of technology in modern insurance administration, the company has invested in creating a user-friendly and secure online environment.
The APL Member Portal
The primary digital tool for policyholders is the online member portal. This secure website allows members to manage their benefits 24/7 from any device. Key features of the portal typically include:
Policy Management: Members can view detailed information about their active policies, including coverage amounts, benefit summaries, and policy documents.
Online Claims Submission: This is one of the most valuable features. Policyholders can initiate and file claims entirely online. The system allows them to upload necessary documentation, such as medical records or bills, directly through the portal. This streamlines the process, reduces paperwork, and can lead to faster claims processing.
Claims Tracking: After submitting a claim, members can track its status in real-time through the portal, from receipt and review to payment.
Personal Information Updates: Policyholders can easily update their contact information and beneficiary designations online, ensuring their records are always current.
Wellness Benefit Claims: For plans that include a wellness or health screening benefit, members can often submit these simple claims online for quick reimbursement.
Employer and Broker Portals
APL also provides dedicated online portals for employers and brokers. These platforms offer tools for benefits administration, including:
Online Enrollment: Support for digital open enrollment, allowing employees to learn about and sign up for APL benefits online.
Billing and Reconciliation: Employers can manage premium payments, view billing statements, and reconcile their accounts electronically.
Reporting and Analytics: Access to data and reports on employee participation and other key metrics.
These digital tools are a core part of APL’s service delivery model, aiming to make every interaction—from enrollment to claims—as efficient and hassle-free as possible.
Market Sectors and Project Expertise of American Public Life
American Public Life has cultivated deep expertise in specific market sectors, allowing the company to tailor its products, enrollment processes, and service models to the unique needs of different client types. While its offerings are versatile, the company’s primary focus and greatest strength lie in the worksite benefits arena. This specialized approach ensures that APL understands the culture, challenges, and benefits landscape of the industries it serves.
Expertise in the Public Sector Market
While its sister company, American Fidelity, is the dominant player in the K-12 education market, American Public Life has developed significant expertise in other areas of the public sector. This includes:
Municipalities and Local Government: APL works extensively with cities, counties, and other local government entities. It understands the procurement processes, budgetary constraints, and employee demographics common in this sector. Its products are well-suited to supplement the traditional pension and health plans offered to government workers, providing an essential layer of financial security.
State Employees: The company partners with brokers and benefits administrators to offer voluntary benefits to state government employees. APL’s ability to operate in 49 states makes it an ideal partner for statewide benefit programs.
Public Service Organizations: This can include a range of quasi-governmental and non-profit organizations that serve the public, such as utility authorities, transportation districts, and public libraries. APL’s team is experienced in navigating the unique administrative structures of these organizations.
Serving the Private Sector: From Small Businesses to Large Corporations
American Public Life has a robust and growing presence in the private sector. The company’s flexible product design and enrollment solutions allow it to effectively serve businesses of all sizes.
Small and Medium-Sized Businesses (SMBs): This is a core market for APL. SMBs often struggle to compete with larger corporations on salary and core benefits. APL’s voluntary benefits allow these businesses to offer a richer, more attractive benefits package at little to no direct cost to the company, as the premiums are typically 100% employee-paid. This can be a powerful tool for employee recruitment and retention. APL provides high-touch enrollment support, including on-site and virtual enrollers, to ensure employees in smaller groups receive personalized guidance.
Large Corporations: For larger companies, APL offers sophisticated solutions that can integrate with complex human resource information systems (HRIS) and benefits administration platforms. Its national footprint is a key advantage, allowing it to provide a uniform set of benefits to a geographically dispersed workforce. The company has the capacity to manage large-scale enrollments and administer benefits for thousands of employees seamlessly.
Specific Industries: APL has developed expertise in serving industries where employees face specific risks or have unique needs. This includes:
Healthcare: Hospital systems, clinics, and long-term care facilities are key clients. Employees in this sector have a firsthand understanding of medical costs, making them particularly receptive to supplemental health products. APL’s disability and hospital indemnity plans are especially relevant.
Manufacturing and Industrial: APL’s accident insurance is a highly valued benefit in industries where the risk of physical injury is higher. Short-term disability is also critical for this workforce.
Professional Services: Firms in finance, law, and consulting also partner with APL to enhance their executive benefits packages and provide comprehensive financial protection for their employees.
The company’s project expertise lies in its consultative approach. APL and its broker partners do not simply present a menu of products. They work with employers to analyze their workforce demographics, understand their existing core benefits, and identify the most significant financial risks their employees face. Based on this analysis, they design a customized voluntary benefits solution that truly adds value and aligns with the employer’s overall benefits strategy.
American Public Life Partnerships and Collaborations
The success of American Public Life is built on a foundation of strong, collaborative partnerships. The company’s go-to-market strategy relies heavily on a network of trusted intermediaries and strategic alliances that extend its reach and enhance its service capabilities. These partnerships are crucial for connecting with employers, educating employees, and ensuring a smooth benefits experience from start to finish.
The Role of Independent Insurance Brokers and Consultants
The primary distribution channel for American Public Life is its extensive network of independent insurance brokers, agents, and benefits consultants. These professionals are the lifeblood of the company’s sales and service efforts. APL does not typically sell directly to employers but rather works through these trusted advisors.
Strategic Alliance: APL views its relationship with brokers as a true partnership. It provides them with comprehensive training on its products, ongoing support from regional sales directors, and advanced marketing materials. The company’s goal is to empower brokers to be effective consultants for their employer clients.
Value Proposition for Brokers: Brokers choose to partner with APL for several reasons: its strong product portfolio, competitive commissions, financial stability (backed by American Fidelity), and, most importantly, its commitment to service. APL’s reputation for reliable claims processing and responsive customer support makes brokers confident in recommending its products. A smooth claims experience for an employee reflects well on the broker who recommended the plan.
Enrollment Support: APL offers robust enrollment support for its broker partners. This includes providing a team of professional, salaried (non-commissioned) enrollers who can conduct on-site group meetings, one-on-one benefit counseling sessions, and virtual enrollments. This hands-on support is invaluable to brokers and ensures employees make informed decisions.
Partnerships with Benefits Administration and Technology Platforms
In today’s digital age, seamless integration with technology is paramount. American Public Life actively partners with a wide range of benefits administration (BenAdmin) and human resource information system (HRIS) platforms. These partnerships are essential for simplifying the enrollment and data management process for employers.
By building integrations and data connections with leading platforms (such as Workday, ADP, bswift, Employee Navigator, and others), APL ensures that its products can be easily incorporated into an employer’s existing benefits ecosystem. This means:
Simplified Enrollment: Employees can enroll in APL benefits through the same online portal they use for their medical, dental, and retirement plans.
Automated Data Exchange: Eligibility information and premium deductions can be securely and automatically transmitted between the employer’s HRIS and APL’s systems, reducing the administrative burden on HR teams and minimizing errors.
Agnostic Approach: APL strives to be “platform agnostic,” meaning it is willing and able to work with the technology platform of an employer’s or broker’s choice. This flexibility is a key part of its partnership strategy.
These technological partnerships demonstrate APL’s commitment to making its benefits easy to offer, administer, and access, solidifying its position as a cooperative and forward-thinking partner in the benefits industry.
Awards and Recognitions for American Public Life
Awards and third-party recognitions serve as important external validators of a company’s performance, culture, and financial strength. American Public Life, along with its parent company American Fidelity, has consistently been recognized for its excellence in these areas.
Financial Strength Ratings from AM Best
The most critical recognition for any insurance company is its financial strength rating, which indicates its ability to meet its ongoing insurance obligations to policyholders. American Public Life Insurance Company consistently receives high ratings from AM Best, one of the most respected independent rating agencies in the world specializing in the insurance industry.
American Public Life has a Financial Strength Rating of A (Excellent) from AM Best. This rating is assigned to insurance companies that have, in AM Best’s opinion, an excellent ability to meet their ongoing insurance obligations. The “A” rating signifies a strong balance sheet, a robust operating performance, a favorable business profile, and appropriate enterprise risk management. This high rating is a direct reflection of the company’s prudent underwriting, sound investment strategies, and the substantial financial backing it receives as a member of the American Fidelity Group. For policyholders, this rating provides a powerful assurance that APL is a secure and reliable company capable of paying claims now and in the future.
Recognition as a Top Workplace
While not an award for APL directly, the accolades received by its parent organization, American Fidelity, are highly relevant due to the integrated nature of their operations and shared corporate culture. American Fidelity’s headquarters in Oklahoma City, where APL is also based, is consistently named a “Top Workplace” by both local and national publications.
These awards are typically based on anonymous employee feedback and measure factors like organizational health, employee engagement, leadership, and work-life balance. The consistent recognition as a top employer indicates a healthy corporate culture that values its people. This is significant for customers and partners because a positive work environment tends to foster a more motivated, stable, and customer-focused workforce. Happy employees who feel valued are more likely to provide excellent service, leading to a better experience for policyholders.
Licensing & Regulatory Information for APL
Operating in the insurance industry requires strict adherence to a complex web of state and federal regulations. American Public Life maintains a robust compliance framework to ensure it meets all legal and regulatory requirements in the jurisdictions where it operates. This information is critical for establishing the company’s legitimacy and transparency.
State Licenses for American Public Life
As previously mentioned, American Public Life Insurance Company is licensed to conduct business in 49 states and the District of Columbia. This broad licensure demonstrates the company’s commitment to national standards and its ability to satisfy the rigorous financial and operational requirements set forth by each state’s Department of Insurance.
Each state where APL operates has granted it a Certificate of Authority, which gives it the legal right to market and sell its insurance products within that state’s borders. The company’s compliance department works diligently to maintain these licenses, which involves regular financial reporting, adherence to state-specific consumer protection laws, and review of all policy forms and marketing materials by state regulators.
NAIC Code for American Public Life
The NAIC Code for American Public Life Insurance Company is 60723.
This code can be used by regulators, brokers, and consumers to look up official company information in the NAIC database, including financial statements, market conduct reports, and any regulatory actions.
CMS Star Rating for Medicare Plans
It is important to clarify that CMS Star Ratings are not applicable to American Public Life. APL specializes in supplemental health insurance products that are sold in the employer and individual markets. It does not offer Medicare Advantage or Medicare Part D plans. Its products, like cancer or critical illness insurance, can be owned by Medicare beneficiaries to help cover out-of-pocket costs, but the plans themselves are not Medicare plans and are therefore not evaluated or rated by CMS.
State-Specific Insurance ID Numbers
In addition to the national NAIC code, some states assign their own unique identification numbers to insurance companies licensed within their borders for administrative and regulatory purposes. These numbers can typically be found on a state’s Department of Insurance website by searching for the company name. For example, the California Department of Insurance assigns a specific company number to each admitted insurer. For American Public Life Insurance Company, its California Company Number is 1199-6. Consumers or brokers operating in a specific state can use this local ID number for inquiries with their state’s regulatory body.
This commitment to transparent and compliant operation across a vast national landscape is a cornerstone of American Public Life’s business philosophy, providing a foundation of trust for its policyholders, partners, and the regulatory community.
Profile Structure
Name: American Public Life Insurance Company (APL)
Industry: Insurance (Supplemental Health and Life)
Founded: 1945
HQ: 6303 N. Portland Avenue, Suite 402, Oklahoma City, OK 73112 USA
CEO: Jerry Horton
Employees: Over 2,000 (as part of the American Fidelity Group)
Annual Revenue: Over $200 million in direct premiums written annually
Coverage: 49 states and the District of Columbia
Plan Types: Critical Illness, Cancer, Accident, Hospital Indemnity, Short-Term Disability, Life Insurance
Key Differentiator: Worksite marketing focus, no provider network restrictions (direct cash benefits), and strong financial backing as a member of the American Fidelity family of companies.
Website: ampublic.com
LinkedIn: linkedin.com/company/american-public-life/