We make applying for life insurance simple. Traditionally, applications might take weeks and often involves confusing paperwork and lengthy medical exams. 

With APD Financial, selecting and applying for the right life insurance coverage is fast, simple, and affordable. 

APD Financial can be your one-stop for life insurance, retirement, legacy planning and more! Our difference is our passion for protecting families—like yours—and matching you with the best carrier and coverage for you. We can compare coverage and prices from 80+ of the most trusted insurance companies in the time it takes you to get a quote from one. Our licensed and experienced Agents are available to provide guidance to help you get covered with confidence.

Yes, the quote is always free at APD Financial and there’s never an obligation to purchase or enroll. In addition, our licensed and experienced Agents are available to guide you through the often confusing options available to ensure that you get the right coverage for the best price for you and your family. We’re an independent insurance broker, meaning we're not owned by an insurance company, nor do we own one. Instead, we sell insurance policies from multiple insurers without bias or favor toward any of them. It’s important to us that we help you find the right insurance policy for your needs — not which company you buy it from.

Insurance rates are regulated by law, which means that no company, broker, or agent can offer you a discount on a policy. That doesn't mean you can't find ways to save money, though! Each insurer calculates risk differently, and they all strive to offer policies at competitive prices. That's why APD Financial helps you compare quotes from multiple companies in one place: to make it easy to spot potential savings.

The thought of purchasing a life insurance policy can be intimidating, but it's not only valuable for peace of mind, it's often more cost-effective than anticipated. The high coverage amounts associated with life insurance may lead one to believe they are costly. However, in most cases, the reality is that they're quite affordable.

Life insurance comes in two primary forms: term and permanent. Term life insurance is usually the less expensive alternative and offers significant flexibility to match your specific needs and financial constraints. With this plan, you select a fixed coverage duration—typically 10, 15, 20, 25 or 30 years. If an unforeseen event occurs during this period resulting in death, your family receives a death benefit. With permanent life insurance, you are guaranteed to never outlive your policy and your policy accumulates cash value which provides flexibility in the future. This financial safety net could substantially impact your family's future stability if you're the main breadwinner.

We aid in identifying suitable coverage and amount by partnering with reputable insurers, providing speedy cost and coverage comparisons for finding the right-fit insurance at the best price.

The quick math is 10x your salary. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund, and more. For a personalized answer to this question, meet with one of our Agents.

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill. It can be difficult to know what to include in your calculations, so we recommend meeting with one of our Agents to help you dettermine your coverage needs.

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of the coverage you need. Financial experts recommend having coverage that is about 10X your salary, which is why many people buy individual term policies to supplement their coverage through work. 

If you have group life insurance through work, you may be paying too much for not enough coverage. How much life insurance (and what kind of insurance) is needed varies from person to person. Our life insurance agents can help you figure out what coverage is best for you and your family—be it term life insurance, whole life insurance, or another policy altogether. Call an APD Financial licensed insurance agent today to learn more about your options.

Each member of our customer experience team is a licensed and experienced Agent. They’ll answer any questions you may have and help you get the right policy for you.