Meet Joseph Hull.
Education-first. Carrier-independent. Built on trust.
Our Story
For more than three decades, Joseph Hull has helped individuals and families navigate the often-confusing world of life insurance and financial planning. Founded on the belief that every family deserves honest, education-first guidance, we've helped thousands of clients find the right coverage at the right price.
We work with more than 100 top-rated carriers, which means we're never locked into recommending one company's products. Our only loyalty is to you — our client. Whether you're looking for term life, whole life, final expense coverage, or a comprehensive financial strategy, we'll help you understand your options and make the best decision for your family.
Joseph Hull
Licensed Life Insurance Producer Since 1991
Founder, Black Apple Group
Serving Clients in Multiple States
Illinois Producer License No. 1356850
Education First
We believe informed clients make better decisions. We take the time to explain your options clearly — no jargon, no pressure.
Carrier Independence
With access to more than 100 top-rated carriers, we shop the market on your behalf to find the best coverage at the best price.
Personal Service
You're not a policy number. We build lasting relationships and are here for you long after the paperwork is signed.
Integrity Always
Our recommendations are driven by your needs — not commissions. Honest advice is the foundation of everything we do.