Apex Capital Partners

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

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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 a Managing Partner and Founder of Apex Capital Partners. He has extensive experience in all aspects of the life settlement process including acquisition, divestment, brokering, complex legal matters and transactions, medical underwriting, and management of life settlements. Prior to Apex Capital Partners, Mr. Roth was a Managing Member of Cypress Life Holdings, where he acquired over $2 billion of life settlements. Beginning in 2015, Mr. Roth served as Chief Executive Officer of the life settlement brokerage, Hidden Gem Life Solutions LLC, where he brokered transactions totaling hundreds of millions of dollars. While still in law school, Mr. Roth worked at Treff & Lowy law firm, where his responsibilities involved early life settlement litigation cases.

Mr. Roth attended Hofstra University School of Law. He is licensed to practice in the State of New York.

Aaron Schwartz

Aaron Schwartz is a Managing Partner and Founder of Apex Capital Partners. A pioneer in the life settlements and investment communities, Mr. Schwartz has built his success upon three core principles: transparency, strategy, value. Above all, Mr. Schwartz seeks to simplify the complex settlement process. His 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 life settlements community. Under his direction, the company 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 in 2016, Mr. Schwartz cultivated a model of stability, navigating the secondary and tertiary markets with confidence and a ‘protection-first’ approach. His 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 Schwatz 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 NDB of $700+ million over an eight-year period. With deep ties to leading institutions and a firm understanding of the retail ecosystem, he established an impressive transactional history, attracting top life settlement veterans—and institutional investors—to his headship. Thanks to Mr. Schwartz’s astute guidance and resourceful outlook, the firm 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.

He also serves on a number of community boards, committees, and commissions.

Adam Meltzer

Adam A Meltzer is a Managing Partner and Founder of Apex Capital Partners. Additionally, Mr. Meltzer is Managing Director of Apex Settlement Group, a licensed life settlement provider. Mr. Meltzer focuses his time on origination and structuring life settlement transactions as well as portfolio management for Apex. Mr. Meltzer has been actively involved in the life settlement industry since 2007. Prior to Apex, Mr. Meltzer was Vice President of Trading for Preston Ventures where he oversaw all aspects of the acquisition and divestment of life settlement assets for Preston Venture managed portfolios. Preceding Preston Ventures, Mr. Meltzer was Senior Managing Director of Origination and Trading at Obra Capital (formerly Vida Capital). During his 12+ year tenure at Obra, Mr. Meltzer oversaw the acquisition and divestment of billions of life settlement assets for the various investment vehicles. Prior to Obra, Mr. Meltzer acted as a life settlement broker. Over Mr. Meltzer’s tenure in the life settlement industry, he has held positions and overseen all aspects of the acquisitions, management and divestment of life settlements.

Mr. Meltzer earned a B.A. in Business from Southwestern University and an MBA from St. Edwards University. He 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. He currently serves as a board member of ELSA and has previously served as board member of ILMA and BVZL.