Services
Life insurance and annuities from 20+ carriers.
Every case is quoted across the 20+ carriers Apex holds, and you and your agent decide together which one fits your situation.
Coverage
Coverage we write most often.
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 retirement income, 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 moreMore than 20 carriers, held direct.
Apex holds the appointments directly, so a case can go to any carrier in the network.
The 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.
What it costs
Our services are at no cost to our clients.
Apex is paid by the carrier once a policy is issued. The client is never charged a fee.
The meeting
The fact-finder, the quoting and the shortlist carry no fee. If nothing we can offer improves on what you already hold, we tell you and the meeting ends there.
The policy
The carrier pays the commission out of the premium once the policy is issued. Nothing is added to what you pay.
The years after
Reviews, beneficiary changes and claim filing are handled by the same desk that wrote the policy, for as long as it stays in force.
Testimonials
What our clients say.
“They asked what I wanted my grandchildren to end up with before they asked what I could afford a month. Nobody had done that before.”
Client, grandparent of five
“I had a policy sitting there for years that nobody had looked at. They found it, priced it properly, and told me plainly what it was missing.”
Client, retired
“We went through everything we own on Zoom, line by line. I understood what I was buying for the first time.”
Client, small business owner
“When my husband passed, the same person who wrote the policy filed the claim. I was never handed to a call center.”
Client, widow
“They told me the coverage I already had was fine and that I did not need anything else. That is why I sent them my sister.”
Client, referred
Get quoted across our carrier network.
Send over what you hold now and an agent will price the same coverage across our carrier network, so you can see the difference side by side.