Apex Financial Insurance
Legal

Terms & Conditions

Effective date: September 21, 2026 · Last updated: September 21, 2026

These Terms & Conditions (the “Terms”) govern your access to and use of the website and services operated by Apex Financial Insurance (“Apex Financial Insurance,” “we,” “us,” or “our”), available at quote.apexfinancialinsurance.com, including our questionnaire and any related content (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Services.

  1. What the Services Are (and Are Not)
  2. Eligibility
  3. Your Information & Consent to Contact
  4. No Quotes or Offers on This Website
  5. Third-Party Products & Compensation
  6. Acceptable Use
  7. Intellectual Property
  8. Disclaimers
  9. Limitation of Liability
  10. Indemnification
  11. Governing Law & Disputes
  12. Changes to These Terms
  13. Contact

1.What the Services Are (and Are Not)

Apex Financial Insurance is a private insurance agency. The Services let you describe your coverage situation and request a call from our licensed health insurance agent, Willis Hicks, who can explain plan options that may be available to you. His state license numbers are listed on our Licenses page.

Apex Financial Insurance is not an insurance company and is not a government website; it is not affiliated with HealthCare.gov or any government agency. We do not underwrite or issue insurance, we do not provide financial, legal, or tax advice, and using the Services is not an application for coverage. Any application is made with the insurance company or marketplace you choose and is subject to its underwriting and approval. We may offer ACA-compliant and non-ACA plans, including short-term and fixed indemnity coverage. Not all plans provide comprehensive coverage.

2.Eligibility

The Services are offered only to residents of the United States who are at least 18 years old. By using the Services, you represent that you meet these requirements. Health insurance products referenced through the Services are not available in all states, and availability, features, and rates vary by state and by carrier.

3.Your Information & Consent to Contact

You agree that the information you submit through the Services is true, accurate, and about yourself (or a person who has authorized you to act for them). Submitting inaccurate information may affect the options our agent discusses with you and any application you later make with an insurance company.

If you check or click a consent disclosure on our forms, you consent by electronic signature to receive marketing communications about health insurance products — including by autodialed or pre-recorded calls, text messages, and email — from Apex Financial Insurance and its licensed agent, Willis Hicks, at the phone number and email address you provided, even if that number appears on a federal or state Do-Not-Call registry. Consent is not a condition of purchase. Message and data rates may apply, and you may revoke consent at any time as described in our Privacy Policy.

4.No Quotes or Offers on This Website

The Services do not display prices, and nothing on this website is a quote, an offer of coverage, or a guarantee of insurability or price. Any plan or premium information our agent discusses with you is subject to the insurance company’s own application and underwriting process. Your actual premium and eligibility, if any, are determined solely by the issuing insurance company.

5.Third-Party Products & Compensation

The Services may refer you to websites, applications, or representatives operated by insurance companies, marketplaces, or other third parties. Those services are governed by their own terms and privacy policies, which we encourage you to read. We are not responsible for the content, products, or conduct of any third party.

Compensation disclosure: Apex Financial Insurance and its agent may be paid a commission by an insurance company when you enroll in a plan through us. We do not represent that the plans we discuss are the only options available to you, and we encourage you to compare options.

6.Acceptable Use

You agree not to: (a) use the Services for any unlawful purpose; (b) submit information about another person without authorization; (c) interfere with or disrupt the operation or security of the Services; (d) use bots, scrapers, or other automated means to access the Services; (e) copy, frame, or mirror any part of the Services without our written permission; or (f) misrepresent your identity or affiliation.

7.Intellectual Property

The Services and all content, design, text, graphics, logos, and software they contain are owned by Apex Financial Insurance or its licensors and are protected by copyright, trademark, and other intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes. No other rights are granted.

8.Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT OR CONVERSATION WITH OUR AGENT WILL MEET YOUR NEEDS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

9.Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, APEX FINANCIAL INSURANCE AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

10.Indemnification

You agree to indemnify and hold harmless Apex Financial Insurance and its officers, employees, and agents from and against any claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms, your misuse of the Services, or your violation of any law or the rights of any third party.

11.Governing Law & Disputes

These Terms are governed by the laws of the state in which Apex Financial Insurance maintains its principal place of business, without regard to conflict-of-laws principles. Before filing any claim, you agree to first contact us as described in Section 13 and attempt in good faith to resolve the dispute informally for at least thirty (30) days. Any dispute that cannot be resolved informally shall be brought exclusively in the state or federal courts located in that state, and you consent to their jurisdiction. To the extent permitted by law, each party waives any right to a jury trial and agrees that any proceeding will be conducted only on an individual basis and not as a class or representative action.

12.Changes to These Terms

We may revise these Terms from time to time. When we do, we will update the “Last updated” date above. Changes take effect when posted. Your continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

13.Contact

Questions about these Terms can be directed to:

Apex Financial Insurance — Willis Hicks
Email: willishicks@apexfinancialinsurance.com
Phone: (260) 570-3991