Our Approach

Why would emerging wealth individuals and couples, established families and successful business clients choose Appel Insurance Advisors as their insurance "coach"? First and foremost, Appel Insurance Advisors has specific knowledge in the life insurance field, with a focus on advice rather than being product focused. Like a good coach, we look at the whole field of options available to us, determine with you the best strategies to help reach your goals, and find the best players to make it happen. As the client/trustee, you may also choose to utilize our teams of highly qualified professional advisors as some of the players on your team. Many levels of “coaches” work in financial services. What sets Appel Insurance Advisor’s apart is the comprehensive nature of what we can accomplish as your personal or corporate insurance portfolio professional.

Life Insurance Planning

There are several different types of life insurance products available to consumers today, this page will give you a brief introduction of those products, and when each may be the most appropriate choice.

Disability Insurance Planning

TRADITIONAL, SUPPLEMENTAL AND JUMBO DISABILITY INCOME INSURANCE. Let us review your existing group disability insurance at work to determine if its sufficient coverage to protect your family.

Long-Term Care Planning

Long-Term Care is the type of assistance people need to perform activities of daily living which include eating, bathing, continence, dressing, toileting and transferring.

What We Do

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.

Our clients typically have some form of insurance in place before we meet them. At Appel Insurance Advisors, we provide a professional, objective, third-party assessment of current life insurance to help clients and advisors determine if they are still suited to achieve the insured's financial goals and performing as planned.

Insurance products are complex financial instruments, heavily impacted by interest rates, requiring proactive management. We remain at the forefront of insurance, financial and tax law trends to assure that client policies, products and services remain current and offer the greatest benefits at all times. Our Policy Audits provide current and prospective clients, advisors, trustees and other fiduciaries with a detailed evaluation of existing life and disability insurance coverage’s relative to the client's goals.

Because we are licensed insurance producers and advisors, we have access to the broadest range of market information across all carriers. We use our breadth of knowledge to objectively assess product pricing, design and adequacy of funding, often identifying newer products with superior features and/or cost savings. This powerful information enables the insured and their families, outside advisors and us to determine whether they should pursue a different strategy to enhance or update the coverage provided by their insurance portfolio.

Policy Audits include:

Assessment of current coverage details and costs
Review of current insurer's financial strength
Identification of guarantees, or lack thereof
Review of current ownership and beneficiary designations relative to goals
Identification of income, estate or gift tax issues with respect to current laws and future funding requirements
Projected future premium obligations and requirements

The value of a Policy Audit can be tremendous.
We frequently identify:

Under or poorly-performing policies as compared to the current marketplace
Savings in annual premiums
Increased coverage for same premium outlay
Coverage with improved features/guarantees
Better products or product design relative to client's goals and risk tolerance

Intelligent and aggressive underwriting is the single most important factor in dictating the cost of insurance, yet very few insurance professionals truly understand the intricacies of the underwriting process. At Appel Insurance Advisors, we go far beyond simply submitting paperwork to carriers. We leverage our large volume, personal relationships with senior underwriters and independence to obtain the best possible underwriting offer from the carriers, resulting in the most competitive offers for our clients with respect to pricing and coverage. 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 carriers view 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.

We are dedicated to continuing education on insurance and estate planning products, strategies, trends and advanced techniques. We also provide insurance seminars, or as we call them “road shows” for leading law firms, CPA firms, business management firms, and other financial advisors in the high-net-worth strategic planning community. Additionally, we actively participate in the development of insurance legislative and regulatory issues through the Massachusetts NAIFA chapter that may affect and/or benefit our clients and their advisors.

Whether you are an Estate Planning, Tax or Business Attorney; a CPA, Investment Advisor, Financial Planner, Trust Officer or Fiduciary; having a general understanding of the state-of-the-art of our products is critical in helping you provide the best advice for your clients.

Appel Insurance Advisors, LLC can offer educational presentations to firms like yours. A typical presentation by our firm lasts 30 to 45 minutes and is presented early in the morning, over lunch or in the late afternoon in your offices or over a Video Call which typically lasts no more than 30 minutes. We can bring your estate planning and business professionals up to date with the latest insurance products, concepts and companies that are strong and competitive today. We spend our time studying and analyzing insurance products and techniques to assure we make the best recommendations to our clients. An annual presentation by us to your professionals will help keep them abreast of the knowledge they need to best advise your clients.

Contact us by phone (617) 332-7900; or by email, support@appeladvisors.com so we can discuss the value our Educational Seminar Road Show can bring to your firm.

Some of our Carrier Partners

At Appel Insurance Advisors, clients are our top priority. We expect our carriers to respect and honor that philosophy. Our relationship with over 35 of the leading insurance companies ensures that our clients will receive the most cost-effective and appropriate products at all times. Moreover, our high volume and relationships with senior underwriters at the carriers brings us invaluable credibility and negotiating leverage resulting in a competitive market for our clients' business. In this way, we ensure that clients receive optimal products and rates combined with our personal attention and care.

We methodically evaluate each carrier's products, size, strength, product portfolio, and reputation in the industry.

Among the many carriers with which we do business are:

Our Approach New