Licensing and disclosures.

Licensing

Apex Estate Partners LLC is an independent insurance firm licensed to sell life insurance and annuities in 48 states. Every producer writing under the firm holds an individual resident or non-resident license in the state where the client lives, and holds a direct appointment with the carrier whose product they write.

Our National Producer Number is available on request. Write to team@apexestatepartners.com and we will send it, along with the license number of the producer you are working with. You can verify any of it yourself through the National Insurance Producer Registry or through your own state insurance department.

Not affiliated with any government agency

Apex Estate Partners LLC is not affiliated with, endorsed by, sponsored by, or acting on behalf of the Social Security Administration, the Centers for Medicare and Medicaid Services, the Department of Veterans Affairs, or any other federal or state government agency or program.

Nothing we send you is a government form, a government notice, or a benefit statement. If something arrives claiming to be from us and looks like one, it did not come from us. Tell us and we will look into it.

Errors and omissions coverage

Apex Estate Partners LLC carries errors and omissions coverage at the firm level. Every contracted producer is also required to carry their own errors and omissions policy as a condition of writing under the firm, and coverage has to stay in force for the whole time they are contracted with us.

This site is advertising

Everything on this site is for general information and is an advertisement for insurance. It is not an offer of coverage, not a solicitation in any state where a producer is not licensed, and not a promise that any carrier will insure you. No policy exists and no coverage begins until a carrier underwrites your application and issues a policy in writing.

Premiums shown anywhere on this site are examples. Your own rate depends on the carrier, the product, your age, your state, your health and your underwriting class, and it is not fixed until the carrier issues the policy.

Guarantees come from the carrier

Every guarantee in a life insurance or annuity contract is backed by the claims-paying ability of the carrier that issued it, not by Apex Estate Partners and not by any government guarantee. Insurance and annuity products are not bank deposits, are not FDIC insured, and are not insured by any federal agency.

Indexed universal life and indexed annuities are not investments in the stock market. You do not own the index and you receive no dividends from it. Index-linked interest is calculated by a formula in the contract and is limited by caps, participation rates, spreads and floors that the carrier sets and can change within the limits the contract allows.

Product availability varies by state

Not every product described on this site is approved in every state, and features, riders and rates differ from state to state. What a carrier can issue you depends on where you live at the time you apply.

Not legal or tax advice

We are licensed insurance producers. We are not attorneys, accountants or tax advisers, and nothing on this site is legal or tax advice. Trust and estate documents should be drafted by an attorney licensed in your state, and tax treatment should be confirmed with your own tax professional before you act on it. Any insurance firm that offers to draft your trust is one to walk away from.

Questions or complaints

Write to team@apexestatepartners.com, Monday to Friday, 9am to 5pm Eastern, and we will answer you. You also have the right to take a complaint directly to your state insurance department at any time, whether or not you have raised it with us first.