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Group Dental Plan (D-4) APL’s D-4 Group Dental Insurance may be the perfect answer to your group’s dental health needs. D-4 offers a Scheduled Benefit Plan, which means that each of the over 200 covered dental procedures is listed with a corresponding dollar benefit amount. Each covered procedure is listed by ADA Code, which is the code that dentists use to bill. Depending on which plan you select, APL reimburses for the listed benefit amount. There is no guessing! You know exactly how much the D-4 Scheduled Dental Plan will pay. D-4 Dental is only available for sale through the convenience of payroll deduction. Highlights(Policy Form D-4 Series): Guaranteed issue (enrollment requirements apply) Choice of Dentist Competitive rates No deductible on preventive expenses No waiting period for preventive, diagnostic, and basic restorative expenses Two plan designs available Contact APL for more information on this product The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms.

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...y Long Term Disability Hospital Indemnity Programs Medical Bridge Progra...

...y Long Term Disability Hospital Indemnity Programs Medical Bridge Progra...

...y Long Term Disability Hospital Indemnity Programs Medical Bridge Progra...

...y Long Term Disability Hospital Indemnity Programs Medical Bridge Progra...

Begin a life insurance program for your children or grandchildren today. By purchasing APL's Children's Life Insurance policies for your children or grandchildren, you guarantee them life insurance protection at low rates for the rest of their lives. No matter what health problems may develop in the years to come, the policy cannot be cancelled. This popular policy is designed to offer children permanent, affordable life insurance protection. Should the insured child need cash later in life, they may borrow against their policy or collect the Cash Value that begins to accumulate after age 25. Children's Life Insurance provides permanent insurance protection at very competitive rates until the child reaches age 25. The first policy anniversary after age 25, there is a one time premium increase. The premium then remains level for the lifetime of the child. Benefits (Policy Form MPWL08 Series): Available for children aged 1 month through 20 years of age Available in two face amounts: $15,000 or $30,000 Guaranteed cash value accumulation beginning at age 25 Guaranteed level death benefits Contact APL for more information on this product The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us. For Agent Use Only. Not For Consumer Distribution.

10, 20, 30 Year Renewable & Convertible Term Life Insurance We know that it is impossible for life insurance to emotionally compensate for a loss, but it will ease the financial burden that can occur. APL’s life insurance is secure, dependable coverage that will serve well in a time of need. APL’s Worksite Life plans provide easy access to valuable life insurance coverage. Available through payroll deduction, these individual plans can be continued at no increase in cost when an insured leaves employment. What’s more, APL's Term Life plans provide an affordable rate that is guaranteed not to increase during the initial term period of 10, 20, or even 30 years. Highlights (Policy Form RCLT07 Series): Affordable premiums Easy application with minimal health questions* Nicotine and non-nicotine rates Policy is renewable at the end of the term period until the insured reaches age 90. The premium rate is adjusted on each renewal. Policy is convertible to a whole life insurance policy before the policy anniversary following age 75. Contact APL for more information on this product * Issuance of the policy may depend on the answers to these questions. The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us. For Agent Use Only. Not For Consumer Distribution.