Using large mixing bowl, combine Cool Whip, milk, and pudding mix. Blend by hand or with electric mixer until thoroughly combined.
Fold in apples and chopped Snickers bars.
Allow to chill an hour or so prior to serving.
Notes
Apples can be peeled or used with skin on, according to personal preference. I used some of both to give some extra color. You may want a few more Snicker bars to use as garnish. Add or subtract amounts of apple or Snicker bars according your taste preferences.