Custom insurance solutions for your estate needs.
We are an award-winning insurance services firm built on relationships. That means putting both our clients and our agents at the center of what we do. That’s why we invest in our agents through strong training, real mentorship, and ongoing support. When our agents are set up to succeed, our clients receive honest guidance and coverage that truly fits their needs.
The premise
Every plan is tailored to the individual.
No two households own the same things, owe the same things, or want the same outcome, so a fact-finder comes before any life insurance recommendation. An Apex agent works through what you own, who depends on it, what coverage is already in force, and what you want to happen to all of it later. The whole thing happens on Zoom.
The plan is then built around your answers. Term for the years a household depends on your income, permanent coverage for what you intend to leave behind, an annuity where guaranteed income matters more than a death benefit. Apex holds direct appointments with more than 20 carriers, including Mutual of Omaha, Ethos, Transamerica, American Amicable, Combined and Corebridge Financial, so you and your agent can choose the one that suits your situation.
The practice
Some of the coverage we write.
Term & Whole Life
Term covers the years a family depends on your income. Permanent coverage is for money you intend to leave behind, and for the cash value that builds while you hold it.
Learn moreIndexed Universal Life
Tax-advantaged growth with a floor under it. We illustrate at a conservative rate and explain what happens if the market does not cooperate.
Learn moreAnnuities
Guaranteed income in retirement, and a cleaner transfer of what you have built to the people you meant it for.
Learn moreFinal Expense
Simplified and guaranteed-issue coverage sized to funeral costs, a hospital balance, and the smaller bills a family is otherwise left holding.
Learn moreCoverage calculator
Calculate how much coverage your family needs.
Most people are working from a number someone reached by multiplying a salary. Start instead from what a household would actually have to replace. Adjust the three sliders and the estimate updates as you go.
- Nothing is sent anywhere and nothing is saved
- The full version adds debts, education and final costs
- Takes about a minute
Three inputs, rounded. The full calculator adds other debts, education, final expenses and the coverage you already hold.
Run the full calculationThe process
From the first meeting to the policy in force.
The conversation
We sit down with you on Zoom and go through your financial life: what you own, who depends on you, what is already in force, and what you want to happen afterwards.
The gaps
We compare what you hold against what the fact-finder says you need, and we put the difference in writing. If your existing coverage is already right, we say so.
Peace of mind
Apex takes the case to the carriers it is appointed with, brings back what fits, and handles the application, the underwriting and the follow-through. You sign once, and the policy stays under review for as long as it is in force.
The Apex desk
Apex builds its own software.
Agents here work one screen. Leads arrive on it, production posts to it as carriers report, and a policy in trouble shows up on it the day it slips.
Interface shown for illustration
Thursday, August 21
Good morning. 12 new leads waiting.
Issued MTD
$48,210
+22% vs last month
Placed ratio
81%
Target 78%
Persistency
88%
Agency 86%
Appts this week
7
2 tonight
Testimonials
What our agents say.
“The firm pays for every lead I work, and they are fresh the day they reach me. That one change put thousands back in my pocket a month, and it is the reason my production doubled in a year.”
Devon R., second year
“The bootcamp had me writing business in my first month, and the training never stopped after it. I still get a mentor on the phone when a case gets complicated.”
Andre W., first year
“I run every appointment on Zoom from my home office. My clients are spread across four states and I have not sat in an airport for work since I joined.”
Trevor M., Southeast
“I said in my interview that I wanted to build my own agency. Nobody talked me out of it. They put me on a track for management, and I am recruiting under my own leg now.”
Marisol P., agency manager
“Nobody here measures me by hours at a desk. I build my week around my daughter’s schedule, and in three years that has never once been a problem.”
Katie L., Midwest
For agents
You never pay for a lead.
Apex covers 100% of lead expenses for our agents. The firm’s own marketing team generates hundreds of leads a day, and agents receive them fresh the moment they come in. No lead is ever recycled or passed to another agent after it has been distributed.
Explore careers at Apex →100%
of your lead cost, carried by the firm
- VolumeFifteen to thirty fresh leads a day, routed the moment they arrive
- RemoteWork from home and run your appointments on Zoom
- MentorshipBootcamp training, then ongoing coaching from producers who came up in the field
Start with a conversation.
Have one of our licensed agents sit down with you on Zoom. They will go through what you own, who depends on it, and what you already have in force, then tell you plainly where the coverage falls short and what it would cost to fix.