About Apsis Life

Apsis Life is a full service life insurance agency that serves its clients primarily online. Between the two of them, Kelvin and Bo have more than ten years of experience in the life insurance industry. Apsis Life operates with a few goals in mind:

Ease of Use and Service: we want working with us to be as easy as possible. We have an uncluttered website without pop-ups, subscription forms, or other annoying things. You can apply right on the website. You can also see prices on the spot without having to send any personal information such as an e-mail address or phone number.

We provide high quality, ongoing service, and we’re also here to help people with more complicated situations (such as business owners or individuals with health concerns), or people who simply prefer to work with a person rather than a computer.

We work with top companies, so you can be confident you’ll get great products and rates.

Education: a main goal of this website is to educate. Our content is designed to have both simple to understand and more complex articles, but always educational and informative. It’s all available for free without any strings attached (e.g. you don’t need to download an e-book or give us your e-mail address).

Thank you for taking a few minutes to visit our site and learn about us. If you have any questions, we’d be happy to answer them here.

Kelvin Pham


After graduating college in 2012, Kelvin began interning as a junior advisor at his father’s firm, P&P Advisory Group. He quickly began learning from his father, who has over 30 years of experience in the financial industry, avoiding pitfalls and past mistakes. With the knowledge amassed over the years, Kelvin strives to create a business model (Apsis Life) which gives clients useful and transparent information about life insurance.

Bo Bell, FSA, MAAA


Bo is the co-founder of Apsis Life and has spent his entire career in the life insurance industry. Prior to his role as an insurance broker, he worked in actuarial roles. Due to his actuarial background, he possesses knowledge and skills that you won’t find with most agents. He is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries and has a degree in Actuarial Science/Finance from Drake University.