Your crew should be building something that lasts too. APPA gives skilled tradespeople a guaranteed, tax-free financial asset that accumulates through every season they stay — and makes walking away for the next site a real financial decision.
Request a Program Overview See the NumbersSkilled tradespeople can work for anyone. The ones who stay — who learn your systems, who train the newer crew, who care about quality — are worth more than any new hire. APPA gives you the financial tool that creates genuine loyalty — not obligation, but real economic alignment between how long they stay and what they build for themselves.
Every year of service adds to a growing, tax-deferred cash value. Guaranteed growth plus dividends — nothing the market can erase.
Workers access their policy value via loans without bank involvement. Financial access most tradespeople have never had.
APPA funds all premiums for the first 12 months. Your crew builds from day one — you pay nothing until month 13.
Cash value vests gradually over time. Workers who leave early forfeit unvested value — which offsets your program cost. Workers who stay build real wealth.
Once fully vested, the policy follows the worker — even if they eventually leave. That's a benefit worth having and worth staying for.
Financially stable workers have lower workplace injury rates. Reduced EMR scores improve your bid eligibility and lower commercial insurance premiums.
Three premium levels. Same structure. Same guaranteed growth. The only ingredient — time.
| Policy Year | $150/mo Entry Level |
$250/mo Standard |
$380/mo Employer Funded |
What It Means |
|---|---|---|---|---|
| Year 1 | $820 | $1,380 | $2,100 | Policy active. Growing from day one. |
| Year 3 | $3,800 | $6,400 | $9,700 | Real emergency fund. Accessible anytime. |
| Year 5 | $7,200 | $12,100 | $18,400 | Down payment. Business capital. Education. |
| ★ Year 10 | $18,500 | $31,000 | $47,200 | Policy Paid Up — No More Premiums. Ever. |
| Year 20 | $36,800 | $61,700 | $93,900 | Retirement supplement. Tax-free access. |
| Year 30 | $58,200 | $97,500 | $148,400 | Generational wealth. Tax-free to family. |
| Total Paid In | $18,000 | $30,000 | $45,600 | 10 years only — then growth is free. |
★ On a 10-Pay structure, premiums stop completely at year 10. Cash value and dividends continue for life at no further cost. Values shown are illustrative estimates for a 42-year-old. Actual values depend on age, health, and policy specifics. Past dividend performance does not guarantee future results.
APPA advances 100% of premiums to the carrier for the first 12 months. Your team starts building cash value immediately. Your out-of-pocket cost in year one is zero.
Employers may make optional partial payments during this period — any amount, no minimum. This reduces the outstanding balance but is entirely voluntary. No penalty for paying nothing.
A predetermined installment schedule — agreed before day one — begins at month 18. Secured only by the cash value accumulated in the policies. No business lien. No personal guarantee.
Tell us about your crew. We will show you what APPA looks like for your trade, crew size, and state — including projected retention savings and EMR impact.
No obligation. No hard sell. A straightforward conversation about what this looks like for your operation.