At APL, we know that business owners and Human Resources professionals are faced with the difficult challenge of providing an employee benefits package that’s competitive enough to attract and retain the best employees, at a cost that doesn’t break the bank.

Running a profitable business is challenging, even in the best of times. Today, it’s harder than ever to balance the needs of a business with the demands for competitive employee benefits.

Many employers have found that by supplementing their company-paid benefits with voluntary benefits (paid by the employee), they can manage costs while offering an expanded choice of benefits. Employees then have the option to participate in the benefits that they need, want, and can afford. What’s more, offering voluntary benefits at the workplace often gives employees access to valuable insurance products at rates and underwriting considerations that are generally more favorable than those available on an individual basis. When combined with the tax savings of a Section 125 Cafeteria Plan, employers and employees alike can realize significant savings.

Fortunately, there are hundreds of carriers offering voluntary benefits today, giving employers a rich variety of choices. But with so many carriers to choose from, how does an employer go about selecting a voluntary benefits partner?

Look for a company with a broad product portfolio. With voluntary benefits, it’s good to give employees a variety of choices. Your employees face a variety of challenges and each may have different needs. Find a benefits provider with a variety of strong product offerings that will complement your core benefits. Providing multiple benefits from one carrier will simplify your benefits administration.

Look for a company that’s financially strong. American Public Life is rated A- (Excellent) by A. M Best, a leading insurance rating organization. This rating of A- is 4 out of 16 with 1 being the highest. (Best Insurance Reports: Life and Health, 2008 Edition) We’re here to serve you today, and we’ll be here for you tomorrow.

Look for a company that provides excellent customer service. At APL, our goal is to treat you like family. Our customer service representatives provide prompt, accurate, and friendly service, including bilingual service for our Spanish-speaking customers. Most importantly, we know that prompt and accurate payment of claims is of vital importance to our customers. We know that our products are designed to help reduce financial hardship, and we take pride in our prompt handling of claims. To our insureds in their time of need, that can make a world of difference.

Look for a company with experience. Founded in 1945, we have over 60 years of experience providing employee benefits. We are focused on the voluntary benefits market, and provide coverage for thousands of employees of commercial businesses of all sizes, as well as school systems, city governments, county and parish governments, and state governments. Our Colleagues average more than 11 years of experience and take great pride in the service that makes us “EZ2doBizWith®”.

American Public Life markets its products through a network of independent agents and brokers who specialize in voluntary benefits and have the experience and knowledge to serve employers in choosing the benefits that best suit their specific needs.

Contact us today and let American Public Life show you how you can help your employees when they…Decide Today to Protect Tomorrow ®.