APL
APL (American Public Life) is a private supplemental insurance carrier offering accident, cancer, critical illness, disability, hospital indemnity, gap, and term life products through independent brokers and employer groups across 49 states.
- Company typePrivate
- Founded1945
- HeadquartersFlowood, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What APL does
APL (American Public Life Insurance Company) is a privately held supplemental insurance carrier founded in 1945, redomesticated to Oklahoma in 2002, and operating as a subsidiary of American Fidelity Group alongside Security General Life Insurance Company. The company offers seven core supplemental insurance products — Accident, Cancer, Critical Illness, Short Term Disability, Hospital Indemnity, MEDlink® Gap Insurance, and Term Life — designed to cover deductibles, copays, and other out-of-pocket expenses not paid by major medical insurance.
APL distributes exclusively through a contracted network of independent brokers and agents licensed across 49 states, supported by a dedicated Broker Resources team and field sales representatives. The company's technology stack centers on a web-based Online Service Center (OSC) portal for brokers, groups, and individuals, plus the APL Enroll integrated enrollment platform and an AI-guided benefits education tool that can be deployed standalone or integrated with broker platforms. A stated integration capability exists with industry-leading technology platforms for seamless data flow.
APL operates a B2B2C revenue model, collecting recurring monthly premiums from policyholders and paying commissions to broker partners on a twice-monthly cycle. Pricing is not publicly disclosed and varies by product, coverage level, demographics, and state of issue. End customers include individual consumers, employer groups of all sizes, associations, and unions, with broker partners serving as the primary commercial relationship layer.
APL firmographics
Firmographics- Name
- APL
- Legal name
- American Public Life Insurance Company
- Website
- https://ampublic.com
- Company type
- Private
- Founded year
- 1945
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- APL (American Public Life) is a private supplemental insurance carrier offering accident, cancer, critical illness, disability, hospital indemnity, gap, and term life products through independent brokers and employer groups across 49 states.
- Ownership category
- akta.pro rank
APL industry classification
Industry- Product category
- Supplemental Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
- akta.pro secondary industry
- Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
Keywords
Where APL is headquartered
LocationHeadquarters
- HQ city
- Flowood
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
APL business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Supplemental Insurance Premiums: APL generates revenue through insurance premiums collected from policyholders for supplemental health insurance products including Accident, Cancer, Critical Illness, Disability, Hospital Indemnity, Gap Insurance, and Term Life coverage. Premiums are collected on monthly basis with 31-day grace period, and policies can be continued after employment separation under certain conditions.
- Broker Commissions: Commission-based compensation paid to appointed broker partners. Commissions are calculated twice per month (15th and last day) and paid after group's monthly premium is remitted. Direct deposit for commissions requires minimum $50 earnings per payment period; checks require minimum $50 monthly.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Customized group and individual supplemental insurance plans |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
APL product offering
Product offeringCore offering
APL sells a portfolio of seven supplemental insurance products — Accident, Cancer, Critical Illness, Short Term Disability, Hospital Indemnity, MEDlink (Gap), and Term Life — designed to pay cash benefits that supplement major medical insurance by covering deductibles, copays, and out-of-pocket expenses. Products are underwritten by APL and distributed exclusively through a network of appointed independent brokers to employer groups, associations, unions, and individuals across 49 states, with administration handled through an in-house Online Service Center portal and APL Enroll enrollment technology.
Product overview
APL is a supplemental insurance and workforce benefits provider offering a portfolio of seven core insurance products: Accident, Cancer, Critical Illness, Disability, Hospital Indemnity, MEDlink® (Gap Insurance), and Term Life Insurance. These products are designed to work alongside major medical insurance to help cover out-of-pocket expenses that primary health plans don't pay, such as deductibles, copays, and coinsurance. APL serves individuals, employers/groups, and brokers through an Online Service Center platform for enrollment, claims filing, and account management.
Differentiator
Problem solved
Functional benefit
Brands
- MEDlink®: Gap insurance product that works with major medical and high deductible health plans to help fill gaps left by deductibles and copays
Products and services
- Accident Insurance Supplemental accident insurance that helps protect against the high cost of a covered accidental injury, including deductibles and copays not covered by major medical insurance. Sold to employer groups, associations, unions, and individuals through appointed brokers.
- Cancer Insurance Cancer insurance that provides financial protection to help cover expenses associated with the detection and treatment of a covered cancer diagnosis. Sold to employer groups, associations, unions, and individuals through appointed brokers.
- Critical Illness Insurance Critical illness coverage that provides support for heart attacks, strokes, cancer, and other major critical illnesses, covering more than 60 critical illness conditions. Sold to employer groups, associations, unions, and individuals through appointed brokers.
- Short Term Disability Insurance Short Term Disability insurance designed to help protect the policyholder's paycheck if they experience a covered disability, with cash benefits paid directly to the insured. Sold to employer groups, associations, unions, and individuals through appointed brokers.
- Hospital Indemnity Insurance Hospital indemnity insurance that helps cover costs associated with hospital stays, doctors' visits, emergency rooms, urgent care facilities, and outpatient services. Sold to employer groups, associations, unions, and individuals through appointed brokers.
- MEDlink Gap Insurance Gap insurance designed to work with major medical and high deductible health plans to help fill gaps left by deductibles and copays, covering out-of-pocket costs after major medical insurance has paid. Sold to employer groups, associations, unions, and individuals through appointed brokers.
- Term Life Insurance Portable term life insurance that provides coverage for a chosen term period, with options for spouse and child benefits, final expenses, and earnings or inheritance protection. Sold to employer groups, associations, unions, and individuals through appointed brokers.
Quantifiable outcome
- A+ Superior AM Best financial rating demonstrates financial strength and stability
- +2 more outcomes
Companies that use APL
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
APL technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
APL partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CareingtoncoreCareington is a dental provider network partner that APL integrates with to provide in-network dental benefits for policyholders. APL's dental plan members can search for Careington dental providers using the provider search tool on APL's website.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
APL competitors and assessment
Company assessmentDirect peers
- Voya Financial: Provides group disability, life, and voluntary benefits through broker/employer channels with comparable product mix (critical illness, accident, hospital indemnity) to APL.
- ManhattanLife: Mid-sized carrier offering supplemental health, accident, and life products through independent agents—similar scale and broker-led distribution model to APL.
- Aflac: Largest US provider of supplemental insurance (accident, cancer, critical illness, hospital indemnity) distributed primarily through worksite/payroll channels and independent brokers—directly comparable product mix and GTM motion to APL.
- Unum Group: Major US carrier of group disability, life, and supplemental health products sold through brokers and employers—directly competes with APL across disability, critical illness, and group benefits.
- Colonial Life: Specializes in voluntary/worksite supplemental benefits (accident, cancer, critical illness, disability) sold through independent brokers and enrollers—very similar distribution model and product portfolio to APL.
- Lincoln Financial Group: Provides group disability, life, and supplemental health products through broker and employer channels—comparable target customers and product set including critical illness and accident coverage.
- Sun Life U.S. Offers group disability, dental, vision, and supplemental health products through broker partners—overlapping product portfolio and broker-led distribution model with APL.
Broad incumbents
- Allstate: Primarily P&C insurer but offers supplemental health products (e.g., through Allstate Benefits) via brokers—competes in the worksite voluntary benefits space though not its core focus.
- Cigna Group: Major US health insurer with growing supplemental and voluntary benefits offerings through Evernorth—broader portfolio than APL but competes for the same employer supplemental benefits budget.
- MetLife: Diversified global insurance leader offering group life, disability, dental, and supplemental benefits through broker and employer channels—overlaps with APL on group life and disability but operates at much larger scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
APL social profiles
Digital presenceAPL financial estimates
Financial estimateRevenue estimate
Valuation estimate
APL leadership team
Management profileNumber of profiles
APL subsidiaries and ownership
Company hierarchySubsidiaries1 record
APL funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
APL M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about APL
What does APL do?
APL sells a portfolio of seven supplemental insurance products — Accident, Cancer, Critical Illness, Short Term Disability, Hospital Indemnity, MEDlink (Gap), and Term Life — designed to pay cash benefits that supplement major medical insurance by covering deductibles, copays, and out-of-pocket expenses. Products are underwritten by APL and distributed exclusively through a network of appointed independent brokers to employer groups, associations, unions, and individuals across 49 states, with administration handled through an in-house Online Service Center portal and APL Enroll enrollment technology.
Is APL a public or private company?
APL is a private company. It is classified as corporate owned and is currently operating.
When was APL founded?
APL was founded in 1945. It employs 51 to 100 people.
Where is APL based?
APL is headquartered in Flowood, United States, in the North America region.
How does APL make money?
Two revenue lines are on record. Supplemental Insurance Premiums are the primary driver. The others are broker Commissions.
Who are APL's main competitors?
Direct peers on record are Voya Financial, ManhattanLife, Aflac, Unum Group, Colonial Life, Lincoln Financial Group and Sun Life U.S.. Broad incumbents are Allstate, Cigna Group and MetLife.
Does APL have an API?
No public API is recorded for APL.
What industry is APL in?
APL's product category is Supplemental Health Insurance. Its primary akta.pro industry code is HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity), with a secondary code of FSAIAFAH, Association & PEO Group Health Plans (AHP/PEO-Sponsored). Its NAICS code is 524114 and its SIC code is 6321.