Leave A Lasting Legacy
At Apex Insurance, we recognize the profound importance of securing your loved ones' futures. Our Life Insurance solutions are crafted to go beyond financial protection; they're a promise to safeguard legacies, dreams, and the well-being of those you cherish. Whether you're just starting your journey or looking to enhance existing coverage, Apex offers a range of Life Insurance options designed to provide peace of mind and a foundation for lasting financial security. Explore our personalized solutions and embark on a path where your legacy is not just protected, but nurtured for generations to come.
Leave A Lasting Legacy
At Apex Insurance, we recognize the profound importance of securing your loved ones' futures. Our Life Insurance solutions are crafted to go beyond financial protection; they're a promise to safeguard legacies, dreams, and the well-being of those you cherish. Whether you're just starting your journey or looking to enhance existing coverage, Apex offers a range of Life Insurance options designed to provide peace of mind and a foundation for lasting financial security. Explore our personalized solutions and embark on a path where your legacy is not just protected, but nurtured for generations to come.
Our AM Best+ Rated Partners
Understanding Life's Layers
Embarking on the journey of life insurance involves navigating through various layers of protection and planning. At Apex Insurance, we recognize the unique needs that each individual or family brings to the table. Our Life Insurance offerings are categorized into three distinct groups, each tailored to address specific aspects of your financial goals and aspirations. Whether you seek the lifelong security of Whole/Permanent Life Insurance, the flexibility of Universal Life Insurance, or the cost-effective coverage of Term Life Insurance, Apex has crafted solutions that resonate with the diversity of your life's chapters. Let's explore these layers together and discover the insurance that aligns perfectly with your unique journey.
WHOLE/ PERMANENT LIFE
Whole/ Permanent Life Insurance Products hold a lifelong guarantee in insurance coverage. It will not decrease and your premium will never change regardless of your health.
UNIVERSAL LIFE
Universal Life (UL's) have the best features of term and permanent life insurance. It provides financial security to supplement retirement, fund a child's education or supplement retirement.
TERM LIFE
Term Life is a popular option with attractive coverage amounts and premium rates. Most use their Policy to protect their home mortgage, replace an income, or secure a child's education.
Understanding Life's Layers: Explore Our Diverse Life Insurance Solutions
Embarking on the journey of life insurance involves navigating through various layers of protection and planning. At Apex Insurance, we recognize the unique needs that each individual or family brings to the table. Our Life Insurance offerings are categorized into three distinct groups, each tailored to address specific aspects of your financial goals and aspirations. Whether you seek the lifelong security of Whole/Permanent Life Insurance, the flexibility of Universal Life Insurance, or the cost-effective coverage of Term Life Insurance, Apex has crafted solutions that resonate with the diversity of your life's chapters. Let's explore these layers together and discover the insurance that aligns perfectly with your unique journey.
WHOLE/ PERMANENT LIFE
Whole/ Permanent Life Insurance Products hold a lifelong guarantee in insurance coverage. It will not decrease and your premium will never change regardless of your health.
UNIVERSAL LIFE
Universal Life (UL's) have the best features of term and permanent life insurance. It provides financial security to supplement retirement, fund a child's education or supplement retirement.
TERM LIFE
Term Life is a popular option with attractive coverage amounts and premium rates. Most use their Policy to protect their home mortgage, replace a bread-winner's income, or secure a child's education.
Discover Options For Your Legacy With Cash Growth Potential
Annuities and Life Insurance options are one investment option in your retirement portfolio to consider. This is where you get to choose how to invest your money, typically with a lump sum, and the insurance company will make regular disbursements back to you for a specified period of time in a series of income payments starting either immediately or at some point in the future. Annuities and life insurance can be used in a variety of ways, including retirement planning and estate planning and for future generations.
INCOME BUIDLING "IULs"
IULs not only provide life insurance coverage but also offer a unique opportunity to build cash value linked to market indexes. This means you have the potential for growth in a tax-advantaged manner. These policies offer flexibility, allowing you to adjust your coverage and premiums payments, all while aiming to build cash value over time. It's a dynamic financial tool that offers protection from a downside market!
ANNUITIES
With annuities, you secure a reliable stream of income for your future. It's an investment option that offers a tax-advantaged way to accumulate funds over time. Annuities provide financial stability, ensuring you have a dependable income source when you need it most.
"IBCs" WHOLE LIFE INSURANCE
In cash accumulation whole life insurance, you not only get lifelong coverage but also build up a tax-advantaged savings fund over time. This fund grows tax-deferred, providing you the flexibility to access or borrow against it. It's a unique blend of insurance and wealth-building, setting it apart from term life insurance and offering long-term financial benefits.
Discover Options For Your Legacy With Cash Growth Potential
Annuities and Life Insurance options are one investment option in your retirement portfolio to consider. This is where you get to choose how to invest your money, typically with a lump sum, and the insurance company will make regular disbursements back to you for a specified period of time in a series of income payments starting either immediately or at some point in the future. Annuities and life insurance can be used in a variety of ways, including retirement planning and estate planning and for future generations.
INCOME BUIDLING "IULs"
IULs not only provide life insurance coverage but also offer a unique opportunity to build cash value linked to market indexes. This means you have the potential for growth in a tax-advantaged manner. These policies offer flexibility, allowing you to adjust your coverage and premiums payments, all while aiming to build cash value over time. It's a dynamic financial tool that offers protection from a downside market!
ANNUITIES
With annuities, you secure a reliable stream of income for your future. It's an investment option that offers a tax-advantaged way to accumulate funds over time. Annuities provide financial stability, ensuring you have a dependable income source when you need it most.
"IBCs" WHOLE LIFE INSURANCE
In cash accumulation whole life insurance, you not only get lifelong coverage but also build up a tax-advantaged savings fund over time. This fund grows tax-deferred, providing you the flexibility to access or borrow against it. It's a unique blend of insurance and wealth-building, setting it apart from term life insurance and offering long-term financial benefits.
Whole/ Permanent Life Insurance
Plan for the unexpected so your family can be cared for.
In life, there is no such thing as certainty. You may not know what’s going to happen next week or even tomorrow, but if we do have one thing in common with one another, it’s the fact that we want our families to be taken care of should something untoward happen. Insurance is the best way to safeguard against those uncertain futures by recognizing them before they occur.
Whole life insurance also provides coverage for your entire life, but unlike term life insurance, they build equity and have cash value as well. The higher premiums are offset by the long-term savings that whole life plans can provide you.
Whole/ Permanent Life Policies are a wonder financial tool to secure your future against the unexpected:
To protect you and your family in the long run
To provide peace of mind if you pass
To pay off any outstanding debts
Whole/ Permanent Life Policies are a wonder financial tool to secure your future against the unexpected:
You intend to start a family
To contribute towards inheritance tax
You have a High-Risk job
Whole/ Permanent Life Insurance
Plan for the unexpected so your family can be cared for.
In life, there is no such thing as certainty. You may not know what’s going to happen next week or even tomorrow, but if we do have one thing in common with one another, it’s the fact that we want our families to be taken care of should something untoward happen. Insurance is the best way to safeguard against those uncertain futures by recognizing them before they occur.
Whole life insurance also provides coverage for your entire life, but unlike term life insurance, they build equity and have cash value as well. The higher premiums are offset by the long-term savings that whole life plans can provide you.
Whole/ Permanent Life Policies are a wonder financial tool to secure your future against the unexpected:
To protect you and your family in the long run
To provide peace of mind if you pass
To pay off any outstanding debts
You intend to start a family
To contribute towards inheritance tax
You have a High-Risk job
Our AM Best+ Rated Partners
Universal Life Insurance
Choose a cost effective strategy that suits your needs!
Universal Life Insurance is a flexible, permanent life insurance policy with an adjustable premium and adjustable death benefit. All of this means you can tailor the amount of money your family receives to suit their needs. Universal life also has flexibility that lets you allocate funds at any time to increase cash value or reduce cost.
It combines the features of a cost-effective permanent life insurance policy with the potential for investment returns. Universal life allows you to choose an investment allocation that suits your needs and risk tolerance. And, if you don’t like your current investment allocation, you can change it as often as you want.
Protection for Your Unique Needs
Experience the flexibility of Universal Life Insurance at Apex, where your policy is not just permanent but also adjustable. The premium and death benefit are customizable, allowing you to tailor the coverage to precisely meet the evolving needs of your family. Whether you seek to enhance cash value or reduce costs, the flexibility of Universal Life empowers you to make strategic decisions at any time. It's not just insurance; it's a personalized shield crafted to suit your unique financial journey.
Investment Potential with Security
Unlock the combined power of cost-effective permanent life insurance and the potential for investment returns with Universal Life at Apex Insurance. This policy allows you to choose an investment allocation that aligns with your financial goals and risk tolerance. The beauty lies in its adaptability; if your investment preferences change, you have the freedom to adjust your allocation as frequently as needed. Apex Universal Life Insurance seamlessly merges the security of protection with the potential for financial growth.
Freedom Through Investment Choices
Discover financial freedom with Apex Universal Life Insurance as it empowers you to take control of your investments. Tailor your investment allocation to match your aspirations and risk tolerance. What sets Apex apart is the agility to modify your investment strategy whenever you see fit. It's not just about life insurance; it's about crafting a dynamic financial plan that adapts to your evolving goals. Experience the intersection of security and investment potential with Universal Life Insurance at Apex.
Universal Life Insurance
Choose a cost effective strategy that suits your needs!
Universal Life Insurance is a flexible, permanent life insurance policy with an adjustable premium and adjustable death benefit. All of this means you can tailor the amount of money your family receives to suit their needs. Universal life also has flexibility that lets you allocate funds at any time to increase cash value or reduce cost.
It combines the features of a cost-effective permanent life insurance policy with the potential for investment returns. Universal life allows you to choose an investment allocation that suits your needs and risk tolerance. And, if you don’t like your current investment allocation, you can change it as often as you want.
Protection for Your Unique Needs
Experience the flexibility of Universal Life Insurance at Apex, where your policy is not just permanent but also adjustable. The premium and death benefit are customizable, allowing you to tailor the coverage to precisely meet the evolving needs of your family. Whether you seek to enhance cash value or reduce costs, the flexibility of Universal Life empowers you to make strategic decisions at any time. It's not just insurance; it's a personalized shield crafted to suit your unique financial journey.
Investment Potential with Security
Unlock the combined power of cost-effective permanent life insurance and the potential for investment returns with Universal Life at Apex Insurance. This policy allows you to choose an investment allocation that aligns with your financial goals and risk tolerance. The beauty lies in its adaptability; if your investment preferences change, you have the freedom to adjust your allocation as frequently as needed. Apex Universal Life Insurance seamlessly merges the security of protection with the potential for financial growth.
Freedom Through Investment Choices
Discover financial freedom with Apex Universal Life Insurance as it empowers you to take control of your investments. Tailor your investment allocation to match your aspirations and risk tolerance. What sets Apex apart is the agility to modify your investment strategy whenever you see fit. It's not just about life insurance; it's about crafting a dynamic financial plan that adapts to your evolving goals. Experience the intersection of security and investment potential with Universal Life Insurance at Apex.
Term Life Insurance
Protect and Focus on what's most important in life.
Term life insurance is one of the greatest gifts you can give your family. It protects them against financial loss, allowing for long overdue dreams to be realized, and gives them the ability to keep a home and provide stability for generations to come. The right coverage option allows you to focus on what’s most important in life—the people you love.
Term Life Insurance helps you protect your family’s financial future. It can be purchased at any time, and will help you overcome unexpected events in your life and give you peace of mind. It is also a cost-effective way to ensure that your family is covered at a premium rate that it’s reasonable to your budget.
Foundational Security, Employer-Paid
Experience foundational security with Basic Term Life Insurance at Apex. Often offered as an employer-paid coverage option, it provides your beneficiaries with crucial financial protection. This coverage serves as a bedrock, ensuring that your loved ones have a safeguard during your employment tenure, offering peace of mind for the unexpected events life may bring.
Adaptable Protection as Needs Evolve
Adapt your protection to changing needs with Supplemental Term Life Insurance at Apex. This employee-paid coverage option allows you to purchase additional protection as your circumstances evolve over time. Offering flexibility and responsiveness, Supplemental Term Life Insurance ensures that your coverage aligns precisely with your life's changing chapters.
Extending Care to Your Loved Ones
Extend care to your loved ones with Dependent Term Life Insurance at Apex. This specialized option provides coverage not only for you but also for your spouse, civil union partner, domestic partner, and eligible children. At Apex, we understand the importance of comprehensive family protection, and Dependent Term Life Insurance reflects our commitment to safeguarding the ones closest to your heart.
Term Life Insurance
Protect and Focus on what's most important in life.
Term life insurance is one of the greatest gifts you can give your family. It protects them against financial loss, allowing for long overdue dreams to be realized, and gives them the ability to keep a home and provide stability for generations to come. The right coverage option allows you to focus on what’s most important in life—the people you love.
Term Life Insurance helps you protect your family’s financial future. It can be purchased at any time, and will help you overcome unexpected events in your life and give you peace of mind. It is also a cost-effective way to ensure that your family is covered at a premium rate that it’s reasonable to your budget.
Foundational Security, Employer-Paid
Experience foundational security with Basic Term Life Insurance at Apex. Often offered as an employer-paid coverage option, it provides your beneficiaries with crucial financial protection. This coverage serves as a bedrock, ensuring that your loved ones have a safeguard during your employment tenure, offering peace of mind for the unexpected events life may bring.
Adaptable Protection as Needs Evolve
Extending Care to Your Loved Ones
Extend care to your loved ones with Dependent Term Life Insurance at Apex. This specialized option provides coverage not only for you but also for your spouse, civil union partner, domestic partner, and eligible children. At Apex, we understand the importance of comprehensive family protection, and Dependent Term Life Insurance reflects our commitment to safeguarding the ones closest to your heart.
Income Building IULs
Plan for the unexpected so your family can be cared for.
Index universal life insurance combines the tax benefits of life insurance with the potential earnings of an investment portfolio. Unlike other types of permanent life insurance that lock you into a single policy and level of coverage at the time it’s purchased, index universal life insurance allows you to change the amount of coverage for which you are insured each year.
Investing in an IUL is a unique way to grow your long-term savings. As cash value builds, insurance companies tie its value to a market index, like the Dow Jones Industrial Average or S&P 500. They use their chosen market to determine how much the money is worth at any given time — up to a cap that is normally somewhere around 10% to 12%.
Financial Freedom Beyond Limits
Indexed Universal Life Insurance offers a unique combination of flexible premiums and potential cash value growth linked to market indexes. This dynamic approach allows policyholders to participate in market gains while providing a safety net with a minimum guaranteed interest rate. Embrace financial freedom that adapts to your life's journey.
Tailored Protection, Maximum Growth
With Indexed Universal Life Insurance, you're not just securing your future; you're maximizing your potential for wealth accumulation. Tailor your coverage to fit your lifestyle while enjoying the opportunity for substantial cash value growth. It's a personalized approach to financial protection that grows with you.
Lifetime Coverage, Legacy Secured
Choose the longevity of Indexed Universal Life Insurance for a lifetime of coverage. This policy not only ensures a financial safety net for your loved ones but also serves as a strategic tool for estate planning. Secure your legacy and provide a lasting impact with the lifelong benefits of Indexed Universal Life Insurance.
Our AM Best+ Rated Partners
Income Building IULs
Plan for the unexpected so your family can be cared for.
Index universal life insurance combines the tax benefits of life insurance with the potential earnings of an investment portfolio. Unlike other types of permanent life insurance that lock you into a single policy and level of coverage at the time it’s purchased, index universal life insurance allows you to change the amount of coverage for which you are insured each year.
Investing in an IUL is a unique way to grow your long-term savings. As cash value builds, insurance companies tie its value to a market index, like the Dow Jones Industrial Average or S&P 500. They use their chosen market to determine how much the money is worth at any given time — up to a cap that is normally somewhere around 10% to 12%.
Financial Freedom Beyond Limits
Indexed Universal Life Insurance offers a unique combination of flexible premiums and potential cash value growth linked to market indexes. This dynamic approach allows policyholders to participate in market gains while providing a safety net with a minimum guaranteed interest rate. Embrace financial freedom that adapts to your life's journey.
Tailored Protection, Maximum Growth
With Indexed Universal Life Insurance, you're not just securing your future; you're maximizing your potential for wealth accumulation. Tailor your coverage to fit your lifestyle while enjoying the opportunity for substantial cash value growth. It's a personalized approach to financial protection that grows with you.
Lifetime Coverage, Legacy Secured
Choose the longevity of Indexed Universal Life Insurance for a lifetime of coverage. This policy not only ensures a financial safety net for your loved ones but also serves as a strategic tool for estate planning. Secure your legacy and provide a lasting impact with the lifelong benefits of Indexed Universal Life Insurance.
Annuities
It's about your future and your legacy.
If you’re looking to build up your retirement savings, a fixed or indexed annuity can be a great option. You’ll be able to contribute tax-deferred earnings to this investment account and earn interest based on the performance of the underlying investments. And if you want income that can outlive you, a fixed annuity could be your best bet because it provides lifetime payments and a guaranteed death benefit for your beneficiaries.
Providing the opportunity to accumulate tax deferred earnings and providing a guaranteed death benefit that is backed by its claims-paying ability, a fixed annuity is an attractive part of any retirement strategy.
Annuities are a wonderful investment if:
You're in a higher tax bracket
Deferring addition income
Deductible limit on all your retirement accounts have been reached
Seek an alternative income stream for retirement
Seek a guaranteed way to stop loss in your investment portfolio from today's market downturn
Annuities
It's about your future and your legacy.
If you’re looking to build up your retirement savings, a fixed or indexed annuity can be a great option. You’ll be able to contribute tax-deferred earnings to this investment account and earn interest based on the performance of the underlying investments. And if you want income that can outlive you, a fixed annuity could be your best bet because it provides lifetime payments and a guaranteed death benefit for your beneficiaries.
Providing the opportunity to accumulate tax deferred earnings and providing a guaranteed death benefit that is backed by its claims-paying ability, a fixed annuity is an attractive part of any retirement strategy.
Annuities are a wonderful investment if:
You're in a higher tax bracket
Deferring addition income
Deductible limit on all your retirement accounts have been reached
Seek an alternative income stream for retirement
Seek a guaranteed way to stop loss in your investment portfolio from today's market downturn
"IBCs" WHOLE LIFE INSURANCE
Plan for the unexpected so your family can be cared for.
As a personal financial tool, infinite banking is a great way to save money without having to worry about how much you have saved up. Infinite banking can be done under two different systems, which are known as the Adjustable Rate and Fixed Rate System. Both are designed to help you build wealth over time, even though it takes more discipline with the adjustable rate system.
An infinite banking concept is also a great personal financial tool because it’s like a savings account that pays interest. However, even though the interest rate for standard savings accounts with brick-and-mortar banks is low in comparison to other accounts, you can actually get a much higher return on your money by doing this. In concept, you are your own bank.
How IBC's can work for you:
Medical Bills
Home Improvements
Debt
Education
How IBC's can work for you:
Take time off work to care for loved ones
Be your own lender for loans
Be your own bank
Job loss
"IBCs" WHOLE LIFE INSURANCE
Plan for the unexpected so your family can be cared for.
As a personal financial tool, infinite banking is a great way to save money without having to worry about how much you have saved up. Infinite banking can be done under two different systems, which are known as the Adjustable Rate and Fixed Rate System. Both are designed to help you build wealth over time, even though it takes more discipline with the adjustable rate system.
An infinite banking concept is also a great personal financial tool because it’s like a savings account that pays interest. However, even though the interest rate for standard savings accounts with brick-and-mortar banks is low in comparison to other accounts, you can actually get a much higher return on your money by doing this. In concept, you are your own bank.
How IBC's can work for you:
Medical Bills
Home Improvements
Debt
Education
Take time off work to care for loved ones
Be your own lender for loans
Be your own bank
Job loss
Some Common Questions Finally Answered!
Why do I need insurance?
Insurance is your shield against life's uncertainties. It's not just about protecting possessions; it's about safeguarding dreams, securing your family's future, and providing peace of mind. Knowing you're covered allows you to face life with confidence, turning unforeseen challenges into manageable journeys.
How do insurance premiums work?
Your insurance premium is an investment in your peace of mind. It's a commitment to a safety net for you and your loved ones. While it represents a financial obligation, it's also a contribution to a collective pool of support, ensuring that you're not alone in times of need.
What makes Apex Insurance different from other providers?
At Apex, our difference lies in our commitment to you. We're not just insurance; we're your partners in safeguarding dreams. Our personalized approach, agility, and local expertise set us apart. Choosing Apex means choosing a dedicated ally that goes beyond policies to secure your unique journey.
What factors influence my insurance premium?
Your premium is a reflection of your unique story. It's shaped by your individual characteristics, experiences, and circumstances. While it may vary, it's a personalized contribution toward securing a future that aligns with your aspirations.
What is the difference between term life and whole life insurance?
Choosing between term and whole life is a decision that touches the core of your legacy. Term life provides a practical, budget-friendly shield for specific chapters, while whole life weaves a protective tapestry around your entire life's narrative, accumulating value and providing enduring support for those you cherish.
What innovative technologies does Apex Insurance utilize to enhance customer experience?
Apex embraces cutting-edge technologies to provide you with a modern, hassle-free experience. From intuitive online tools for quotes to seamless claims processing, we're committed to making insurance straightforward and accessible. Your journey with Apex is not just protected; it's empowered by innovation.
Can I have multiple insurance policies?
Yes, you can build a mosaic of protection, tailoring coverage to your unique life canvas. It's like having a personalized safety net for each facet of your journey, ensuring that, no matter where life takes you, you're surrounded by layers of support.
What is a deductible?
A deductible is a stepping stone toward resolution. While it may represent an upfront commitment, it's a shared investment in your recovery. Choosing a deductible is not just a financial decision; it's a balance between upfront costs and ongoing peace of mind.
How does Apex Insurance contribute to the community beyond insurance services?
At Apex, we believe in the power of community. Our involvement goes beyond insurance; we sponsor local events, engage with organizations, and commit to social responsibility. Choosing Apex means joining a company deeply rooted in community connections, offering not just coverage but a shared commitment to making a positive impact.
How does auto insurance coverage work for rental cars?
Auto insurance for rental cars is like extending a protective embrace beyond your own vehicle. It's a gesture of care for the moments when you're exploring new horizons. Understanding this coverage ensures that, even in unfamiliar territories, you're shielded by the comfort of familiar protection.
How does the claims process work?
Filing a claim is not just paperwork; it's a bridge of support during challenging times. It's a reassurance that, even in moments of vulnerability, you're not alone. The process is designed to be as smooth as possible, helping you rebuild and move forward.
Can I change my insurance coverage during the policy term?
Your insurance coverage is as dynamic as your life. It's not a static agreement; it's a living understanding of your evolving needs. Changing coverage is a conversation, an opportunity to ensure that your protection aligns with the current chapters of your unique story.
How does Apex Insurance prioritize customer satisfaction?
Customer satisfaction is our heartbeat. We prioritize your needs by offering not just coverage but an experience. Our client-centric approach ensures that you're heard, valued, and supported at every step. Apex is not just about transactions; it's about building lasting relationships centered around your peace of mind.
Do insurance premiums increase after filing a claim?
Filing a claim is a testament to resilience. While not all claims lead to increased premiums, it's a reminder that insurance is a partnership. It's about standing by you during the highs and lows, and discussions about premiums after a claim are approached with empathy and understanding.
How much life insurance should I buy?
You could ask ten different insurance professionals "how much life insurance should I buy" and you would get ten different answers. The most common reasons for purchasing life insurance include coverage of debt, specifically a mortgage, replacing lost income for survivors and making sure there are funds available for education of children along with a few other things. How you actually determine how much life insurance you need is really a personal decision. Have an honest discussion with Apex Insurance about what you hope to cover with your life insurance and what your financial capabilities are and make your decision from there.
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