What To Expect with Apex
Choosing the Right Upline or IMO
This decision matters more than most agents realize.
A good upline:
Answers the phone
Teaches real-world techniques and situations
Helps with underwriting issues
Doesn’t disappear after contracting
Encourages long-term thinking and helps you power through the learning curve
A bad one:
Sells dreams instead of systems
Pushes one carrier regardless of fit
Competes with their own agents
Overpromises and underdelivers
Ask hard questions before you contract. If an organization can’t clearly explain how they support agents day-to-day, that tells you everything you need to know.
Independent vs. Captive: What You Should Know
Some organizations promote a single-carrier or locked-in model as “simpler.” In practice, that simplicity often comes at a cost.
Captive agencies often have some weaknesses:
Higher priced products
Shared, resold, or overpriced leads
Contracts that punish agents upon leaving their captive agency
Carrier rule changes can have a huge impact on your ability to make a living
Being independent means:
Access to multiple carriers
Ability to place business where it fits best
Protection when underwriting rules change
Control over your book of business
The key is not independence alone—it’s who you align with.
What's the Transfer Process look like?
It's a simple process with no loss in income for most agents. Typically, agents who transfer to Apex see an increase in their income.
How do agents increase their income with Apex?
Higher commission levels & higher renewals
Fresher, more exclusive leads
Better scripts, training, and support
Access to real in-home recordings from top producers
What are the steps for transferring?
A conversation with us to make sure we're a good fit
Contract with some of our carriers
Start writing business with us within a couple days
In some cases, obtain a release from previous agency. (We NEVER contact your upline or agency without your permission.)
Most agents think transferring is some big, complex, drama-filled process. However, We take care of most everything for you!
Where Apex Senior Benefits Fits
Apex Senior Benefits works with full-time face-to-face independent agents.
We provide honesty & transparency, which can be hard to find in the life insurance industry!
We provide fair compensation for agents:
Access to multiple top Final Expense carriers
Commissions & renewals paid to you directly by the carriers
Agents own their book from day 1
PLUS MORE:
Weekly agency-wide training call
Hands-on training
Full agent training portal with:
Proven scripts
Training videos
In-Home recordings
SOPs and Training guides
Agent-friendly automations
We don’t promise overnight success.
We help agents avoid structural mistakes that limit them long-term.
Harsh Truth: If you can't succeed at Apex, you probably wouldn't make it anywhere.
Frequently Asked Questions
About Getting Started with Apex
I'm interested in working with Apex. What next?
Let's have a conversation! Click here.
We'll hop on a quick call, answer your questions, learn a little about your business, and see if Apex might be a good fit.
No obligations, no pressure, and no sales pitch. Just a straightforward conversation to help you decide whether Apex is the right place for you.
What happens after I join Apex?
Getting started with Apex is simple. Once you've submitted your carrier contracting requests, we'll get you connected to our agent portal, GroupMe community, weekly training calls, and live office hours.
We'll also help you explore lead options, connect you with our vetted vendors, and walk you through placing your first order.
From there, you can hit the ground running. Need additional guidance? We offer complimentary ride-alongs (subject to availability), personalized coaching, and feedback on your sales presentations, scripts, and marketing materials.
No unnecessary hoops or complicated onboarding. Just the tools, resources, and support you need to get to work.
How do I get contracted with carriers?
We'll send you a link to Apex's SureLC, where you'll create an account and select the carriers you'd like to contract with. The entire process takes approximately 5–10 minutes, and your contracting requests are submitted directly to the carriers once completed.
Will I get the top published levels for each carrier?
Our goal is to start experienced agents at our highest published commission levels. These levels are based on verified production history, so we may request proof of recent production to determine your starting compensation.
Agents who don't initially qualify for the highest levels may start at a lower rate, with opportunities to earn increases as their production grows.
Agents Supporting Agents.
Climb Higher. Earn More. Stay Independent.
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