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Send us enough to run real numbers. A licensed producer prices it across our partner carriers and comes back to you with what each one will actually issue.
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What happens next
A licensed producer reads what you send, runs it through the carriers we hold, and comes back with the numbers. You and your agent then decide together which carrier fits your situation.
Nothing you send here starts an application. Answering the health questions early only means the quote you get back is closer to the rate a carrier would actually offer.
- ReplyWithin 24 to 48 hours
- HoursMonday to Friday, 9am to 5pm Eastern
- CarriersQuoted across 20+ partner carriers
- CostA quote costs you nothing
- Emailteam@apexestatepartners.com
Nothing on this site is an offer of coverage, and no policy is bound until a carrier issues it in writing.
Why these questions
What each answer changes.
Every field on this form moves the number a carrier comes back with. The optional ones can be left blank, and the quote will simply be less exact.
Age and state
Premiums are filed state by state, and age moves the number more than anything else on the form. Without both, a quote is a guess.
How pricing worksBuild and nicotine
Height, weight and tobacco decide the rate class before a carrier reads anything else. Preferred and standard are not small differences.
Read about rate classesHealth history
Conditions and medications change which carriers will look at you at all. Two carriers can price the same condition very differently.
What a fact-finder asksWhat you want it to do
Term, permanent, final expense and annuities solve different problems. Telling us the goal keeps the quote pointed at the right product.
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