APPA gives every worker on your crew $500,000 in permanent whole life insurance — building real, lasting wealth for the skilled tradespeople who show up every day and get it done. You start for $0 out of pocket.
The construction industry is losing experienced tradespeople faster than it can train replacements. Electricians, plumbers, ironworkers, HVAC techs — these are years of earned skill. Every departure is a gap that takes years to fill.
A worker who has a financial stake in their continued employment is a more focused, more deliberate worker on site. That's not abstract — it shows up in incident rates, OSHA records, and workers' comp claims that affect your ability to bid jobs.
Every contractor in your market can write a bigger check. You need something that compounds — a benefit that makes leaving financially irrational. Something a competitor can't match with a signing bonus.
APPA advances the premium through a structured funding loan — every worker is covered from day one while you stay in full control of your cash flow through the project cycle.
Construction is one of the most hazardous industries in the country. A worker with a growing financial asset tied to their continued employment makes more deliberate decisions on site — and that changes your numbers.
Financially invested workers are more attentive, more deliberate, and less likely to cut corners. Fewer OSHA recordable incidents means cleaner EMR ratings — which directly affects your ability to bid public contracts and large commercial jobs.
Workers' comp premiums in construction are among the highest of any industry. Even a modest improvement in your claims history compounds over renewal cycles — reducing one of your largest fixed overhead costs.
Surety underwriters look at workforce stability and safety records when pricing bonds. A stable, invested crew with clean safety history is a lower-risk operation — and that pricing difference can be significant on large bonded projects.
Enter your crew details to see estimated benefit cost, retention savings, and net position.
Your operation qualifies for APPA subscriber pricing. See if you're eligible.
Apply to Become an APPA Subscriber →Split dollar plans — where an employer funds permanent life insurance for a key employee — have been an executive benefit at large construction firms for decades. APPA brings the same financial mechanism to every worker on your crew, not just the people in the corner office.
| Feature | Traditional Split Dollar | APPA Group Program |
|---|---|---|
| Who it covers | 1–2 executives or project managers | Your entire eligible crew |
| Who funds the premium | Employer — from day one | APPA — first 12 months at zero cost |
| Policy ownership | Employer or employee (varies) | Worker — vests over time |
| Cash value goes to | Employer (economic) or employee (loan) | Worker — grows permanently |
| Collateral required | Business assets or personal guarantee | Policy cash value only |
| Retention mechanism | Rewards selected individuals only | Whole-crew golden handcuff |
| Accessibility | Large GCs and national firms | Any contractor — 10 workers or 500 |
| After pay period ends | Ongoing administration | Policies paid up — zero obligation |
"Large GCs have used split dollar to keep their project executives for years. The mechanism is identical — employer-funded permanent life insurance, worker ownership, cost recovery through the policy. APPA makes it available to every contractor, for every skilled tradesperson on the roster. The electrician, the ironworker, the HVAC tech — they deserve the same financial tools that project executives have always had access to."
Tell us about your operation. An APPA team member will review your application and reach out within 2 business days with a customized NLG illustration.
An APPA team member will review your operation profile and reach out within 2 business days with a customized NLG illustration.
Questions: [email protected]