People Insurance™

Insurance. Only Insurance.™

Appel Insurance Advisor’s unique business focus is providing custom, sophisticated life, disability income and long-term care insurance solutions for emerging wealth individuals and couples, established families and successful business clients. Known for our independence, simplicity and transparency in communicating the benefits and costs of strategic alternatives, we bring confidence to the insurance acquisition process. Some of the country’s most successful entrepreneurs, executives, and their advisors, benefit from our decades of experience, remarkable volume and collaborative approach to resolving wealth transfer, estate planning and asset protection challenges.

Our insurance focus enables us to channel our resources and provide superior insight and guidance on the best tools for:

  • Life Insurance
  • Disability Income Insurance
  • Long-Term Care Insurance
  • Wealth Transfer
  • Business Succession Planning
  • Buy-Sell & Key Person Life & Disability Insurance Coverage
  • Special Needs Planning

For those with an existing insurance portfolio, we typically recommend a policy review and audit where we provide a thorough review of the coverage in-place relative to the owner, trustee or insured's goals and benchmark it to market alternatives. This beneficial process brings peace-of-mind to our clients and their advisors, as they can be certain that they truly understand their insurance policy portfolio and how it achieves their goals.

Our structured process is facilitated by our tremendous access to market information, resulting from the consistently high volume of qualified insured’s we present to the various insurance carriers. When a carrier’s underwriting department head gets a potential case from us, they know that it is complete and meets their underwriting criteria. We make their job easier; and in turn, they provide paramount pricing and coverage’s for our clients. The most competitive and highly-rated insurance carriers for each client's unique situation are happy to negotiate with us, frequently resulting in multiple offers.

Our success at advocating the most successful underwriting processes is rooted in our long history and full comprehension of in-house, automatic and jumbo retention limits, the reinsurance process, and how each carrier views things a little differently. This high level of experience, combined with years of building and maintaining relationships with senior underwriters, makes us a beneficial partner in servicing the most discriminate clients.

Contact Us

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck