FOR EXPERIENCED FIELD AGENTS
Peak-Level Compensation, Leads, Training, and Support for Agents Looking to Climb Higher
At Apex, we believe in providing high-level commissions. We want all agents to succeed, and offering top compensation is a big part of that.
We offer the top-level final expense contracts. The comp levels shown below are for veteran agents (with proof of production).
Apex Commission Levels
for Veteran Agents
| Accendo | up to 130% |
| Aflac | up to 125% |
| American Amicable | up to 135% |
| Americo | up to 130% |
| Baltimore Life | up to 130% |
| CICA | up to 130% |
| Corebridge | up to 137% |
| Elco | up to 120% |
| Family Benefit Life | up to 115% |
| Foresters | up to 130% |
| Liberty Bankers Life | up to 130% |
| Lifeshield | up to 115% |
| Mutual of Omaha | up to 130% |
| Royal Neighbors | up to 130% |
| Trinity Life | up to 115% |
| Transamerica Express | up to 145% |
| AIG Corebridge | 72% |
| CICA GI | 55% |
| Gerber (as-earned) | 60% |
| Guarantee Trust Life | 70% |
ALL APEX AGENTS ARE 100% VESTED DAY 1!
Agents own their book of business from the start.
Experienced agents may start at these published commission levels with proof of production.
Real, earnable carrier incentive trips. Many Apex agents qualify for 5-day, all-expense-paid conventions and incentive vacations in destinations such as Hawaii, Europe, the Bahamas, and Alaskan cruises.
Renewals are paid to agents directly by carriers.
Commission details vary by product and carrier. Graded or modified benefit policies, as well as certain age bands, may pay lower commissions. (Last updated October 2026)
There isn't one lead source that's right for every agent. We help producers think through lead strategy based on their territory, experience, and budget.
Find the Right Leads for Your Situation.
01
Discounted Leads
Explore available lead sources and programs, including direct mail, digital, and aged-lead opportunities.
02
Appointment-Setting
We offer a low-cost appointment setting service for partnered agents. $100/month gets you in front of more prospects.
03
Follow-Up Support
Use our proprietary production tracker and client follow-up service to get the most of the leads you're working.
What matters beyond commission levels?
Lead options to fit your market & budget
Tools to follow up with clients & book more appointments
Weekly, practical Final Expense training
Real answers to carrier & underwriting questions
A straightforward discussion about contracts and transitions
Turn Your Leads Into Appointments.
You've already spent money purchasing leads. Our appointment-setting text campaigns help you follow up with qualifying leads, engage interested prospects, and schedule appointments.
You provide eligible leads. We handle the texting outreach and help book responses into appointments.
READY TO GIVE It A TRY?
HOW IT WORKS
1. Confirm lead eligibility. The program works with certain lead types, not every lead source.
2. Launch a prebuilt texting campaign. Qualifying leads receive appointment-focused follow-up messages. We set it up for you.
3. Book appointments with interested prospects. The service helps turn leads into scheduled appointments.
Starting price refers to the texting campaign service, not a guaranteed number of appointments or a supply of new leads. Eligibility, pricing, and results depend on the program and the leads used. Appropriate texting consent and compliance requirements apply.
top-tier TRAINING & SUPPORT
Useful Guidance. Not Just a Video Library.
OUR support Will help you improve your next presentation, conquer your biggest hurdles, and make better decisions in the field.
Live Training
Weekly Agent Calls
Friday mornings are a time for us to deep-dive a final expense training topic. We tackle practical, tangible skills & habits that improve production.
ASK QUESTIONS
Office Hours
Every Tuesday, agents bring their case studies, questions, and challenges. We work through them and help with unique in-home situations.
on-demand
Agent Portal
The Apex training portal is robust and thorough, featuring proven scripts, agent tools & shortcuts, and resources at your fingertips, including in-home recordings from top agents.
Case Guidance
In-Home Help
Access our agent group chat and get instant answers to your underwriting & carrier questions. Top producers actively helping you write business.
Community
Connect with Top Agents
Connect with agents who've earned multiple carrier trips, written millions in premium, and helped other agents reach the peak of final expense.
Development
Improve Your Process
Send in your scripts & recordings for feedback from us. We'll help you sharpen your process and write more business.
Already working with another agency?
We'll help you think through carrier appointments, release requirements, and your options before you decide anything. (We NEVER contact your existing upline without your permission.)
COMMON AGENT QUESTIONS
Questions Worth Asking Before You Switch
We are always happy to talk to agents!
Do I have to leave my current agency to talk with Apex?
No. We can compare options and discuss your situation privately before you make any decision. (We NEVER contact your current upline or agency without your permission.)
Can I keep my current carrier appointments?
Yes, in most cases that's not a problem. Apex has access to several carriers, and most agents are able to pick up new carriers without necessarily needing to obtain a release.
What if I owe debt to my previous agency?
It's typically best to pay off any debt before moving agencies. However, in some situations, it may make sense to go ahead and move agencies prior to paying the debt.
What if I have downlines at my current agency?
We can discuss moving your downlines to Apex as well. Typically, your downlines can stay under you, and we can move them over as your downline.
What's the process to join Apex?
Most agents never see a dip in their income during the process of moving to Apex.
If possible, we'll get your contracts released to Apex, which will allow you to keep writing your current carriers. If you have existing contracts, we can get you appointed with new carriers (without needing to obtain a release). From there, we'll get you plugged into our training, and you become a part of the team.
Agents can continue writing business throughout the entire process and never have to take a hit to their income.
Will moving agencies affect my income?
Yes, agents who have moved their contracts to Apex have almost all seen a large increase in income. Moving agencies doesn't prevent you from being able to write business. That means you can maintain a healthy bank account.
Agents Supporting Agents.
Climb Higher. Earn More. Stay Independent.
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