We Insure People, Not Things Formed in 2011, Applefield Hughes is a partnership between Craig Applefield and Monika Hughes, respected peers with 65 years combined experience and expertise who believe our business is a noble calling. We honor the weight of what we do: we help people plan for life changes, both the typical and the traumatic, and we think that requires not just competence, but compassion. We want to earn your complete trust and confidence by embodying our core principles of integrity and accountability. We don’t collect clients; we build relationships.