For Home Health Employers

Your Caregivers Deserve More Than Just a Paycheck.

APPA gives your home health workforce $500,000 in whole life insurance coverage — building real, permanent wealth for the people who show up every day. You start for $0 out of pocket.

See Your ROI → Apply to Subscribe
80%
Annual turnover in home health — among the highest of any industry in the US
$12K
Average cost to replace one trained caregiver — recruiting, onboarding, lost continuity
$0
Employer outlay for the first 12 months — APPA funds the premium entirely
$500K 80% Annual caregiver turnover $0 Employer cost — first 12 months $500,000 Whole life per caregiver · Paid up in 10 yrs YOUR CAREGIVERS DESERVE MORE THAN JUST A PAYCHECK
01

The Turnover Crisis

Home health agencies lose caregivers faster than almost any other industry. Sign-on bonuses and wage increases haven't solved it — they've raised the floor without building loyalty.

02

Care Quality at Risk

Every time a caregiver leaves, a patient loses continuity. Families lose trust. Your agency loses contracts. Retention isn't just an HR problem — it's a care quality problem.

03

Benefits That Don't Stick

Standard benefits packages — health insurance, PTO — are expected and easily matched. You need something competitors can't replicate. Something that compounds.

How It Works

A Three-Phase Structure Built
for Small Business Cash Flow

APPA funds the premium through a structured loan — giving your employees full coverage from day one while protecting your cash flow in the early months.

01
Phase One
Months 1–12
Full APPA Funding
  • All employee policies in force from day one
  • Cash value begins accumulating immediately
  • Zero employer premium outlay
  • Employees are aware — retention effect begins
You owe nothing. APPA funds 100%.
02
Phase Two
Months 13–17
Optional Partial Payments
  • Begin partial contributions at any amount you choose
  • No minimum — any payment reduces the loan balance
  • Entirely optional based on your cash flow
  • Full flexibility to pay more or nothing at all
Pay what you can, when you can.
03
Phase Three
Month 18–24+
Structured Repayment Begins
  • Predetermined installment schedule activates
  • Secured by policy cash value — not business assets
  • Policies help fund their own repayment over time
  • No personal guarantee required
The policies secure themselves.
ROI Calculator

See What This Means
For Your Agency

Enter your agency details to see your estimated benefit cost, retention savings, and net position.

Your Agency Profile

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42
70

Your Estimated Results

Monthly premium per employee (est.)
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Total annual premium (all employees)
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Your annual employer contribution
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Estimated employees lost per year (at your turnover rate)
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Estimated annual turnover cost (at ~$12K/employee)
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Projected retention improvement (conservative 25%)
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Estimated net annual benefit to your agency
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Your agency qualifies for APPA subscriber pricing. See if you're eligible for the Group Whole Life program.

Apply to Become an APPA Subscriber →
How APPA Compares

You've Heard of Split Dollar.
This Is Split Dollar for Every Caregiver.

Split dollar plans — where an employer funds permanent life insurance for a key employee — have been an executive benefit for decades. APPA brings the same financial mechanism to your entire care team, not just the people at the top.

Feature Traditional Split Dollar APPA Group Program
Who it covers 1–2 executives or key employees Your entire care team
Who funds the premium Employer — from day one APPA — first 12 months at zero cost
Policy ownership Employer or employee (varies) Employee — vests over time
Cash value goes to Employer (economic) or employee (loan) Employee — grows permanently
Collateral required Business assets or personal guarantee Policy cash value only
Retention mechanism Rewards selected individuals only Workforce-wide golden handcuff
Accessibility Typically large employers only Any agency — 10 caregivers or 500
After pay period ends Ongoing administration Policies paid up — zero obligation

"Split dollar is what hospital systems and large healthcare organizations have used to keep their leadership for years. The mechanism is identical — employer-funded permanent life insurance, employee ownership, cost recovery through the policy. APPA makes it available to every home health agency, for every caregiver on the roster. Your CNAs and aides deserve the same financial tools that healthcare executives have always had access to."

The Full Picture

What Everyone Gains

What Your Caregivers Get

◆
$500K Whole Life — Permanent Fully paid up at year 10 or 20. No carrier can ever take it away, even after they leave the workforce.
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Growing Cash Value Tax-deferred accumulation they can borrow against — for emergencies, a home, college, or retirement.
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Generational Wealth A $500K benefit their family inherits. For a caregiver earning $18/hour, this is life-changing.
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A Reason to Stay Vested cash value creates a real financial anchor. Leaving means walking away from a compounding asset.

What Your Agency Gets

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Full Coverage From Day One — $0 Upfront APPA funds the premium. Your agency carries zero cost for the first 12 months while retention effects begin immediately.
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A Defined Commitment 10 or 20 year pay structure. After that, zero ongoing obligation — ever.
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Loan Secured By Policies Only No personal guarantee. No business lien. No credit underwriting. The policies are the collateral.
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A Benefit Competitors Can't Easily Match Group whole life with APPA funding is not available off the shelf. This is your differentiator in a crowded hiring market.
Subscriber Application

Apply to Become an APPA Subscriber

Tell us about your agency. A member of the APPA team will review your application and reach out within 2 business days with a customized NLG illustration.

01 Agency Information
02 Decision Maker Contact
03 Program Preferences
Your information is confidential and will only be used to prepare your APPA subscriber illustration.
Underwritten through National Life Group · APPA Premium Funding subject to loan terms.

Application Received

Thank you. A member of the APPA team will review your application and reach out within 2 business days with a customized NLG illustration built for your agency profile.

In the meantime, if you have questions, you can reach us directly at [email protected]