Add the pudding mix and milk to a large mixing bowl and whisk well to combine.
Let pudding set for about 2 minutes to thicken slightly.
Use a rubber spatula to fold the whipped topping into the pudding mixture.
Add the apples and candy bars to the bowl and stir to coat.
Refrigerate at least 30 minutes before serving.
Notes
Add additional chopped candy bars on top or drizzle with caramel sauce for a prettier presentation. This recipe is best served within 24 hours as the apples will begin to lose their crispness.