Individual Insurance

Finding the right Individual Insurance products can be challenging in today’s insurance environment. Apex Benefit Group offers a complete line of individual insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.

We can help you make sound, informed decisions about issues affecting your life, health and insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of-mind.


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Health Insurance

Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your family. Individual health insurance programs are designed for those who cannot obtain insurance through an employer. Apex Benefit Group offers health insurance programs which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

Dental Insurance

Traditional plans offer comprehensive dental coverage and flexible plan designs that can limit a member’s out of pocket expenses.

Life Insurance

With term and permanent life insurance, you make premium payments so that in the event of your passing, your loved ones and beneficiaries will receive the death benefit proceeds from the policy. Term insurance is for a specific period of time whereas permanent is for life as long as the premiums are paid.

 

Long-Term Care Insurance

Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.

 
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Medicare

Medicare is the federal health insurance program for individuals if they (or their spouse) worked for at least 10 years in Medicare-covered employment and are at least 65 years old and are a citizen or permanent resident of the United States of America.