David E. Appel is Managing Partner at Appel Insurance Advisors, LLC. A 1992 graduate of the Whitman School of Management at Syracuse University, David concentrates his practice with a consultative, service oriented approach to personal and business insurance planning. He assists clients with protecting their families and businesses from the financial pitfalls of death, disability, and the drain of long term care expenses. He primarily focuses on supporting clients with tax-efficient generation-to-generation wealth transfer goals, business succession, charitable planning, international clients and expatriates obtaining U.S. based life insurance, and helping emerging wealth individuals and couples establish and maintain their initial People Insurance™ portfolios. David has maintained a successful life insurance focused practice for over 28 years.
David was highlighted in NAIFA’s (National Association of Insurance & Financial Advisors) National publication," Advisor Today”, in July 2004 in an article entitled “Four under Forty” portraying four top Advisors and community leaders in the United States under the age of 40.
David was the past President of NAIFA Boston, and served on the NAIFA- Massachusetts State Board. He is one of a few Licensed Insurance Advisors in the Commonwealth of Massachusetts. He holds the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and Accredited Estate Planner (AEP®) designations. Recognized nationally, David has spoken at life insurance industry meetings internationally and throughout the United States, as well as being regularly published in a variety of national industry publications.
David is actively involved with several philanthropic and life insurance industry organizations.
David spends time between Newton, Massachusetts and Bridgton, Maine with his fiancé Kira and their blended family which is comprised of eight children.
“Life insurance is so versatile that the same products can protect a young couple, help pay off debt or take care of a mortgage, or make sure that a college education is there for a child,” said David E. Appel, MDRT Member, “and protect that established family who have brick-and-mortar assets and need liquidity on debt.
“And life insurance is still one of the best ways to provide capital and provide liquidity for that family to pay state taxes, federal estate taxes, gift taxes, whatever it may be, as that estate is passed on to the next generation.”