Apex Guarantee is a small collection of independent insurance agents. Just like every person is different, every insurance company is different too. There is not one insurance company that can provide the best policies and benefits to all consumers. That's where we come in. As independent agents we are not bound to any specific agency.
We provide custom fit research from all available insurance companies to save our customers' time, provide them with the best return on investment, and provide them with the best benefits for their specific needs. Our agents contract through all the major carriers such as AIG, Prudential, and American National.
We provide custom fit research from all available insurance companies to save our customers' time, provide them with the best return on investment, and provide them with the best benefits for their specific needs. Our agents contract through all the major carriers such as AIG, Prudential, and American National.
Services
Unlike most insurance agents, Apex agents are not tied to any specific product or company. For the buyer, this means that we will fight for your needs and not for any company's needs. Sometimes an insurance carrier might not have the best product for your history, needs, and wants. We are what is called non-captive agents.
Imagine if the next time you wanted to buy a car you could walk into a car dealership that was able to offer you every car make and model. The dealership wouldn't have any need to push any specific brand, they know you want a car, they just have to find the best fit for your needs and budget. We are a lot like that car dealership.
Allocate cash value amounts to either a fixed account or an index account. IUL's mimic equity ownership and the account is credited with the yearly indexed growth, less the spread or cap. If the index is negative you have no account loss. IUL policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit.
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