Home health aides and caregivers give everything to their clients. APPA gives them what their work has never given them — a tax-free, guaranteed financial foundation that grows while they work and stays with them long after.
Request a Program Overview See the NumbersHourly pay keeps caregivers alive. A whole life policy with growing cash value gives them something they have never had — a financial asset that belongs to them, that grows guaranteed every year, and that they can access without a bank or credit check. That is the benefit that changes how someone relates to their job.
Cash value accumulates tax-deferred, earns dividends, and belongs to the caregiver completely. It is not a gift. It is a financial asset.
Caregivers can take policy loans against their cash value — no credit check, no bank, no application. Financial access they have never had.
Markets go up and down. This policy grows every year regardless. That stability means everything to someone living paycheck to paycheck.
APPA funds all premiums for the first 12 months. Your caregivers are building from day one — you pay nothing until month 13.
Caregivers who are financially stable provide better, more consistent care. This program benefits your clients too.
One consolidated bill covers all enrolled staff. No complicated administration. No individual applications for the employer.
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 agency. We will walk you through what APPA looks like for your team size and average caregiver tenure.
No obligation. No hard sell. A straightforward conversation about what this looks like for your operation.