FAQs

How do I know that I am getting a good rate for my new insurance policy?

As an independent provider of insurance products, we are able to gain access to the best products and pricing available. Our APEX Planning Process is designed to learn as much about you and your circumstances before we "shop" the marketplace to find the best product and price solution for you.

What is the right amount of life insurance I need?

Everyone's circumstances are different and there are several key questions that need to be asked. We believe that coverage needs to be tailored to your current circumstances and reviewed every few years to make sure that it is still relevant. For more information about determining the right amount of life insurance for you, please click the link to "How Much Life Insurance Do I Need?"

What do I need to know about long term care and long term care insurance?

Long term care issues are increasingly becoming part of the financial decisions of retired Americans. The cost of providing care to individuals with needs can be very expensive. Long term care insurance does provide a cost effective, tax-efficient way to provide for a wide range of services. To learn more, please click the link to "Long Term Care Issues" and "Long Term Care Insurance."

As a business owner, what tax-efficient strategies can I use to make sure that my business and I am prepared for retirement, death, or disability?

Most business owners today have so much to focus on that many leave their personal planning neglected or unattended which can lead to serious unintended consequences. The reality is that there are multiple tax-favored strategies that provide an insured solution that can be tailored to fit needs from a personal standpoint as well as a business standpoint. To learn more, please click the link to "Supplemental Executive Retirement Plans (SERPS)" or "Executive Bonus Plan" or "Split Dollar Plan."