A bank behind us. An agent who’s been in your chair.
Apex Premium Finance pairs a bank that’s been in Kentucky since 1923 with someone who started on the agent side in 2002. The bank gives Apex its footing. Shana gives you someone who understands your day.
Meet Shana Woodyard
Managing Director, Apex Premium Finance
Shana grew up in insurance. Her dad managed a Kentucky Farm Bureau agency, and in 2002 she joined him there as a licensed agent and customer service rep. That’s where she learned the job is about relationships, service and doing things the right way.
After nearly ten years there and five in financial services, she came back to insurance at an independent agency. She wrote Excess & Surplus business and managed the agency’s premium finance contracts, so she knows financing from your side of the desk.
Today she runs Apex from Bowling Green and works with independent agents across Kentucky, Tennessee, West Virginia and Georgia.
We know what it’s like, because we’ve done it too.
“I see my client as first being the agent, but by default, the actual insured person is my client too.”
— Shana Woodyard
Backed by PBT Bancorp
Apex is an independent premium finance company, backed by PBT Bancorp, the Hazard bank you may know as Peoples Bank & Trust of Hazard. Same bank, new name, in Kentucky since 1923.
PBT Bancorp, Stanton branch
What agents say
“Apex Premium Finance, especially Shana Woodyard, is exceptional to work with due to their user-friendly system and quick turn around times for your customers who plan on financing their policy premium. They also do a great job of communicating with agents directly and promptly; there are no chat bots or “getting the run around”, only real people to help with real problems!”
Byers Insurance Group, Bowling Green, KY
Talk with Shana.
A quote, a question, or an insured who needs help with payments. You’ll get her, not a phone tree.
Premium financing for independent agents in Kentucky, Tennessee, West Virginia and Georgia. An independent premium finance company, backed by PBT Bancorp, a Kentucky bank since 1923.
Apex Premium Finance
524 Main St, Hazard, KY 41701
866-273-9732
[email protected]
© 2026 Apex Premium Finance. All rights reserved.