APS Insurance, LLC is a Missouri-based insurance practice serving individuals, families, and business owners with annuities, life insurance, and property and casualty coverage.
APS Insurance, LLC is an independent insurance practice founded by Andrew Surber and based in Kansas City, Missouri. We work with multiple carriers to find the right fit for each client, and we believe an insurance relationship should outlast the sale.
Our specialty is bringing clarity to a category most people find confusing — whether that means walking through an annuity contract line by line, designing the right life insurance protection, or making sure your home, auto, and business coverage actually fits the way you live and work.
Annuity reviews, optimization, and product selection. Our specialty within annuities operates under our Upgrade Your Annuity brand — built to give annuity owners an honest, unbiased second opinion.
Visit Upgrade Your Annuity →Term, whole, and permanent life insurance designed around your actual needs — family protection, estate planning, business continuity, or long-term cash value strategies.
Home, auto, renters, and umbrella coverage. Independent access to multiple carriers means we can shop the policy that actually fits your household instead of pushing whatever is on the shelf.
General liability, business owners policies, commercial property, workers compensation, and commercial auto. We work with business owners who want their coverage to make sense without a sales pitch every renewal.
Specialty homeowners, high-limit umbrella, jewelry and valuables, and coordinated coverage for clients with complex assets. We work with carriers built specifically for the high net worth market.
Boats, RVs, classic cars, motorcycles, secondary properties, and other specialty lines. The kind of coverage where the details actually matter.
Whether you have a specific question or just want a clear conversation about what makes sense for your situation, we are happy to help.