Apex Capital Partners

165 E Palmetto Park Rd. 2nd Floor, Boca Raton, FL 33432

Linkedin Envelope
Menu

Strategy

Home > Strategy

Strategy

Apex Capital Partners is a premier investment firm specializing in the life settlement asset class. With deep expertise and a focus on transparency, we provide institutional and accredited investors access to a unique alternative asset class that delivers uncorrelated, consistent returns. Life settlements involve the purchase of life insurance policies from policyholders who no longer need or can afford them, providing a win-win solution. Apex Capital Partners offers robust portfolio management, data-driven strategies, and risk mitigation to optimize yields, making us a trusted leader in the life settlement market.

Discover how we can help diversify your portfolio with this recession-resilient investment opportunity.

01

Policy Sourcing

We acquire high-quality policies by leveraging our vast network and relationships with brokers, insurance agents, and financial advisors. Each policy is rigorously vetted to ensure it meets our stringent acquisition criteria.

02

Risk Management

Through a proprietary underwriting process, we assess the risk profile of each policy, analyzing factors such as life expectancy and policy conditions. This allows us to mitigate risk while enhancing potential returns for investors.

03

Diversification

We build a diversified portfolio of life settlements to spread risk and optimize returns. By investing in a wide range of policy types, face values, and insured individuals, we create a balanced portfolio designed to withstand market volatility.

04

Active Policy Management

Our team actively monitors and manages each policy, ensuring that premiums are paid on time and tracking the status of the insured. This hands-on management ensures that we maximize value throughout the policy’s lifecycle.

Apex Capital Partners

At Apex Capital Partners, we are committed to providing investors with institutional-quality management in the life settlement asset class. Our investment strategy focuses on delivering consistent, non-correlated returns through a disciplined, data-driven approach. As leaders in this space, we combine deep industry expertise with sophisticated asset management to create value for our investors while ensuring transparency and stability.

Our Approach to Life Settlements

Life settlements are an alternative investment where investors purchase life insurance policies from policyholders who no longer wish to maintain them. These policies are then managed as assets, with the potential for attractive returns that are uncorrelated to traditional markets.

  • Portfolio thoughtfully constructed for stability
  • Diversified portfolio for persistent cashflow
  • Equity-like returns with less volatility
  • Non-core investments selected for potential upside

Apex Capital Partners

Ezra Roth

Ezra Roth is the Managing Partner and Founder of Apex Capital Partners, an alternative investment firm focused on life settlements and longevity-linked assets. He has deep expertise across the full lifecycle of life settlement investing, including portfolio acquisition and divestiture, structured transactions, brokerage origination, complex legal and regulatory matters, medical underwriting, asset servicing, and portfolio management. Over the course of his career, Mr. Roth has been directly involved in the acquisition and management of more than $2 billion in face value of life insurance policies, working across institutional portfolios, bespoke transactions, and secondary-market liquidity events. His experience spans both principal investing and intermediary roles, giving him a comprehensive understanding of pricing dynamics, capital structures, counterparty risk, and asset-level underwriting within the life settlement market.

Prior to founding Apex Capital Partners, Mr. Roth served as a Managing Member of Cypress Life Holdings, where he led large-scale portfolio acquisitions and asset management initiatives. Beginning in 2015, he also served as Chief Executive Officer of Hidden Gem Life Solutions LLC, a life settlement brokerage firm, where he originated and executed transactions totaling hundreds of millions of dollars in aggregate policy face value, working with institutional funds, family offices, and accredited investors.

Earlier in his career, while attending law school, Mr. Roth worked at Treff & Lowy LLP, where he was involved in early-stage life settlement litigation and related insurance matters, providing him with a strong legal foundation in policy enforceability, contestability issues, and carrier disputes—an expertise that continues to inform his investment and risk-management approach.

Mr. Roth earned his Juris Doctor from Hofstra University School of Law and is admitted to practice law in the State of New York

Aaron Schwartz

Aaron Schwartz is a Managing Partner and Founder of Apex Capital Partners. A pioneer in the LS and investment communities, Mr. Schwartz has built his success upon three core principles: transparency, strategy, and value. Above all, Mr. Schwartz seeks to simplify the complex settlement process. Mr. Schwartz’s lifelong passion is helping clients reduce their expenses, fund their retirements, and secure their financial legacies—all with transparency and care. Apex’s culture of honesty and accessibility can be attributed to Mr. Schwartz, a pillar of the LS community. Under Mr. Schwartz’s direction, Apex has educated and empowered countless families, leading them to richer, more rewarding lives.

Before co-founding Apex Capital Partners, Mr. Schwartz conceived, launched, and led two of the regions’ top brokerage and provider companies to national acclaim. Starting with Cromwell Asset Partners (“Cromwell”) in 2016, Mr. Schwartz cultivated a model of stability, navigating the secondary and tertiary markets with confidence and a ‘protection-first’ approach. Mr. Schwartz’s Apex Settlement Group followed in 2020, quickly transforming into New York’s premier Provider for life and viatical settlements. Together, the sister groups represent a comprehensive funnel system, driving a steady stream of high-quality investment deals into the 2020s with Schwartz at the helm.

After founding Cromwell, Mr. Schwartz steered the company to prosperity, garnering $100+ million in commitments, a 75% repeat investor pool, and total Net Death Benefit of $700+ million over an eight-year period. With deep ties to leading institutions and a firm understanding of the retail ecosystem, Mr. Schwartz established an impressive transactional history, attracting top LS veterans—and institutional investors—to his headship. Thanks to Mr. Schwartz’s astute guidance and resourceful outlook, Apex managed to seize new, lucrative opportunities created by COVID-19, even as carriers remained contract-locked. Today, Mr. Schwartz proudly serves as Chief Executive Officer at both New York-based institutions. Additionally, Mr. Schwartz also serves on numerous community boards, committees, and commissions.

Adam Meltzer

Adam A. Meltzer is a Managing Partner and Founder of Apex Capital Partners (“Apex”). Additionally, Mr. Meltzer is Managing Director of Apex Settlement Group, LLC, a licensed Life Settlement (“LS”) provider. Mr. Meltzer focuses his time on the origination and structuring of LS transactions, as well as portfolio management for Apex. Mr. Meltzer has been actively involved in the LS industry since 2007.

Prior to Apex, Mr. Meltzer was the Vice President of Trading for Preston Ventures, where he oversaw all aspects of the acquisitions and divestments of LS assets for Preston Venture managed portfolios. Preceding Preston Ventures, Mr. Meltzer was Senior Managing Director of Origination and Trading at Obra Capital (“Obra”) (formerly Vida Capital). During his 12+ year tenure at Obra, Mr. Meltzer oversaw the acquisition and divestment of billions of LS assets for Obra’s various investment vehicles. Prior to Obra, Mr. Meltzer acted as an LS broker. Over Mr. Meltzer’s tenure in the LS industry, he has held positions and overseen all aspects of the acquisitions, management, and divestments of LS assets.

Mr. Meltzer earned a B.A. in Business from Southwestern University and an MBA from St. Edwards University. Mr. Meltzer currently holds various leadership positions in several Jewish community organizations throughout the Greater Austin area, including PJ Library, Congregation Agudas Achim, Austin Jewish Family Services, Shalom Austin, Austin Jewish Foundation, and Shalom Families. Additionally, Mr. Meltzer currently serves on the board of ELSA and previously served as board member of ILMA and BVZL.