REAL ESTATE AGENTS - INDEPENDENT CONTRACTORS - CONSULTANTS - SELF-EMPLOYED - REAL ESTATE AGENTS - INDEPENDENT CONTRACTORS - CONSULTANTS - SELF-EMPLOYED -

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BenefitsWithout theBoss

Real estate agents work for themselves , and that independence costs most of them access to the kind of coverage their W-2 counterparts take for granted.

APEX members may qualify for a work-based program that opens a different door. A structured path to benefit options built for the way you actually work.

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The Benefits Gap HasA New Exit Ramp

This isn’t insurance shopping. It’s a work-based eligibility program. Built for real estate professionals who don’t receive benefits through a traditional employer.

Affordable Options

Flexible options to get you the best coverage at the level you need. Many members report 20-30%+ savings.

Group Support

A partner that has your back from selecting a plan to re-enrollment. It’s our business to make sure you’re covered.

Price Protection

In the open market, many are seeing premiums increase over 100%. This brings stability you can actually plan around.

National Access

Coverage that follows you. Across markets, across states, across wherever your business takes you next.

Healthcare IsChanging.Are You Ready?

Healthcare costs continue surging, with families seeing increases of 20% to over 100%, depending on coverage and location.

At the same time, some major providers are reducing availability, leaving many with fewer options to choose from.

That’s why more real estate professionals are starting to explore alternative ways to access coverage.

0%+Average Reported Savings

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How it Works

A simple, structured path designed for APEX members. Built for Real Estate Professionals.

STEP 1

STEP 2

STEP 3

STEP 4

Check Your Eligibility

Join As A Working Owner

Complete Your Monthly Role

Use Your Benefits

Answer a few quick questions to find out if this path is open to you. Takes minutes, not hours.

If eligible, you’ll join PSM in a real, structured role. This is what gains you access to our benefit suite.

Stay active by completing a brief monthly survey. You’ll receive compensation for your participation.

Start using your coverage and access support and resources designed to help you navigate your benefits with confidence.

You Figured Out the Commission Split. Let Us Handle This Part.

When you qualify, support doesn’t stop at enrollment. You’ll have guided help through your benefit options, step-by-step setup, and ongoing support when things change, because your business never stands still.

Guidance to help you choose the right coverage for your situation
Support during enrollment. No confusing forms, no marketplace maze
Help navigating your options as your business and income evolve
Ongoing support when questions or life changes come up

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Questions Real AgentsWant Answered

No. This is a work-based participation program, not a traditional insurance product. Eligible APEX members may qualify to join PSM as a Working Owner, and active participation may open access to benefit options typically reserved for employer-sponsored plans.

If you qualify, you’ll join PSM as a Working Owner in the role of Consumer Data Correspondent. Your monthly responsibility is simple: complete a brief survey to stay active. You’ll receive compensation for your participation.

Not everyone qualifies. Eligibility is based on your current work situation. A registered agent can walk you through the requirements and let you know if this program may be available to you.

You’ll review available coverage options, receive guided support through enrollment, get access to tools and resources, and have ongoing support as long as you’re active in the program.

That depends on your current coverage and your specific eligibility. Our advisors can look at your situation and help you understand your options.

The program has real eligibility requirements and a real monthly responsibility. Not everyone qualifies. But if you do, it’s a straightforward path to benefit options most independent professionals don’t have access to otherwise.

Yes. From the moment you enroll through your ongoing participation, support is available. You won’t be handed a plan document and left to figure it out alone.

Find Out What You Qualify for as an APEX Member

It takes just a few minutes to find out. No marketplace maze. Just a conversation to see what option fits your needs.

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