David Eric Appel, CLU, ChFC, is a 25-year MDRT member with 10 Court of the Table and nine Top of the Table honors. Appel, from Newton, Massachusetts, USA, is managing partner of Appel Insurance Advisors LLC. He concentrates his practice with a consultative, service-oriented approach to personal and business insurance planning. Appel is a past president of NAIFA–Boston and served on the NAIFA–Massachusetts State Board. He is one of a few Licensed Insurance Advisors in Massachusetts. He has spoken at life insurance industry meetings internationally, including at MDRT.