About
An award-winning insurance services firm, built by agents.
Two producers who came up through captive management went independent in 2020. Two decades in the field, direct appointments with more than 20 carriers, more than 100 agents licensed across 48 states, and every lead paid for by the firm.
The firm
How the firm got here.
Apex Estate Partners was created in 2020 after a merger. The people running it have been in life insurance since 2005.
- 2005
We start in the field
Both founders came into life insurance as producers, writing business and learning how cases are actually underwritten.
- 2007
A captive territory
Inside a captive organization, running territory across New York, Pennsylvania, New Jersey and Delaware, and moving up into management.
- 2020
Out of the captive
We sold our stake in the captive company and moved to the brokerage side, where a case can go to whichever carrier underwrites it best. Apex Estate Partners was created that year, after a merger.
- 2022
The firm takes the lead cost
We began funding leads in full for every agent. No producer has paid for a lead since.
- 2023
Fully virtual
The brokerage went entirely remote. Agents work from home and meet their clients on Zoom.
- Today
Apex Estate Partners
The firm writes on the independent side. More than 100 agents now write under it, licensed across 48 states.
- Next
A larger bench
Producers who perform and can lead move into management, building and mentoring teams of their own.
We invest in our agents so clients get better advice.
Apex trains its producers, mentors them, and pays for every lead they work. That leaves the agent free to spend their time on the family in front of them.
For clients
What we do for our clients.
Every case is worked by a licensed producer and quoted across our carrier network before anything is recommended.
We shop the whole network
No two carriers underwrite the same way, and the one that is cheapest for a healthy 35-year-old is rarely the one that is kindest to a 58-year-old with a heart history. Apex runs the case across every carrier it holds and brings back the ones that actually fit.
We show you the honest numbers
Illustrations are built at conservative rates, so the paper you are shown is close to what the policy is likely to do. If a plan only works when the market cooperates, we say that out loud before anyone signs.
We do the paperwork
The application, the underwriting, the medical requirements and the chasing of the carrier are handled by your agent. You sign once and we take it from there.
We watch the policy afterwards
Our system flags a policy the moment a payment slips or a carrier requirement lands, so the problem gets fixed while it is still small. The person who wrote it is the person who handles the claim.
The carriers Apex works with.
More than 20 direct appointments, all held by the firm itself, so an agent can take a case to whichever carrier suits the client.
For agents
How we grow your book of business.
All of it is funded and built by the firm, so a producer can spend the day on appointments.
Generated in our own marketing department
Every lead Apex works is produced in house by the firm’s marketing team. Nothing is bought from a third-party vendor, so the firm controls the quality and the compliance of what reaches you.
Your lead stays your lead
Apex owns the lead from the moment it is generated. A lead routed to you is never handed to a second producer, so nobody else in the firm is calling that client behind you.
Your whole book on one screen
The firm runs its own system for tracking every policy you have written. It flags the ones in trouble the day something slips, so you can work the problem while it can still be fixed.
A dialer that does the waiting
Integrated dialers work through your leads for you, which lifts the contact rate and the share of appointments that turn into applications.
Training and mentorship that continue
Bootcamp to start, then ongoing coaching from senior producers who are still writing business themselves.
Leads are 100% covered
The firm pays for every lead a producer works. No invoice, no balance, and nothing deducted from a commission.
Talk to someone at Apex.
Bring whatever you already hold. We will tell you where it falls short and what it would cost to fix.