Who services my American Physicians Life Insurance Co. policy?
Direct Life Advisors is an independent agency. We're not Emphesys Insurance Company and can't access your policy — but we can tell you how to reach them.
American Physicians Life Insurance Co. is now serviced by Emphesys Insurance Company, listed at Louisville, Kentucky in the record we checked.
Source: Missouri Department of Insurance company changes register, checked 2026-09-16.
We'll get you to the right department.
Five minutes, no charge — we'll tell you who to ask for, what to ask, and what the answers mean.
(888) 753-8706No cost to you. If you ever buy a policy through us, the insurance company pays us — you never do.
What a name change means
American Physicians Life Insurance Co. changed its name to Emphesys Insurance Company on 1 November 2000. The record places it in Louisville, Kentucky. A rename leaves the same legal insurer responsible for the contract; the letterhead, payment address, and service number can change. Read the current name on your statement before sending a payment.
The record we checked describes a name change rather than a sale. The policy still has to be read for its own premium, beneficiary, riders, and any cash-value terms.
What to ask after a rename
Give the service team both names — American Physicians Life Insurance Co. and Emphesys Insurance Company — and ask them to confirm the policy number, premium, beneficiary, payment address, and claim address in writing.
For a plain checklist, see what to ask the current insurer and when a premium can change.
Talk to someone independent
Direct Life Advisors is an independent agency with 52 carrier relationships. A licensed agent will read your policy with you at no charge to you. We're paid a commission by the insurance company only if you later buy through us — never by you.