Protect What Matters.
Build What Lasts.
APPA provides permanent whole life insurance through National Life Group — for individuals building wealth and employers retaining their best people.
Keep Your Best Drivers in the Seat
$500K whole life per driver. Retention, safety dividends, lower commercial auto exposure. APPA funds year one.
Your Caregivers Deserve More Than a Paycheck
Permanent wealth-building coverage for your home health workforce. Reduce turnover. Improve care continuity. Start for $0.
Stability That Travel Nursing Can Never Offer
The retention benefit agencies can't match — because it belongs to your nurses permanently. Better CMS ratings, less agency spend.
Build Their Future While They Build Yours
Retain skilled tradespeople with the only benefit that compounds. Lower EMR ratings, better bond rates, crews with skin in the game.
Your Staff Makes Your Practice. Make Their Future.
Staff retention + physician buy-sell protection. One program, one carrier. Solo practices to multi-site groups.
A Benefit Your Members Can't Get Anywhere Else
Partner with APPA to deliver group whole life to your membership. Endorsed benefit. Revenue share. Real differentiation.