Whether you work for someone else, run your own business, or are building toward something bigger — APPA gives you $500,000 in permanent whole life insurance with cash value that grows every year and belongs to you completely.
Your employer provides a paycheck but not a financial foundation. This policy builds permanent wealth alongside your career — independent of any job, any employer, any economic cycle.
Employed Full-TimeNo employer benefits. No 401K match. No safety net. This is the permanent financial infrastructure you build yourself — on your own terms, without waiting for a company to provide it.
Self-Employed / ContractYou've built something. Now build a financial foundation underneath it. The cash value in your policy can fund your next venture, survive a down year, or be the capital your bank won't give you.
Business OwnerStill in a job but building toward independence. Start your policy now. Every year it grows, your cash value builds the option to leave on your own terms — not someone else's timeline.
Future FounderWhole life insurance through National Life Group. Your premium buys two things simultaneously — a $500,000 death benefit that never expires, and a cash value account that grows tax-deferred every single year.
Select your coverage amount (minimum $500,000), your pay period (10-Pay means you're done funding in 10 years), and your monthly premium. Everything is locked in at the rate your age qualifies you for today. Every year you wait costs more.
A portion of every premium goes into your cash value account. It grows tax-deferred, compounds over time, and is accessible via policy loans at any point — without a credit check, without a bank, without approval from anyone.
Once your pay period ends, the policy is yours forever with no further premium. Your cash value keeps growing. Your $500,000 death benefit stays in force. No carrier can take it. No employer can touch it. It's simply yours.
Enter your details to see your estimated monthly premium and cash value growth over time. These are estimates — your personalized NLG illustration will show exact figures.
Ready to see your exact numbers? An APPA advisor will prepare a personalized NLG illustration for your age, coverage, and profile.
Get My Personal Illustration →$500,000 in permanent death benefit. Not term insurance that expires. Not coverage that disappears when you change jobs. Whole life stays in force for your entire life — and passes to your beneficiaries tax-free.
Every year the policy is in force, cash value accumulates tax-deferred. At any point, you can borrow against it — for a down payment, a business investment, a child's education, or simply to have a financial cushion no bank controls.
Whether you're planning to launch a business or just want the option to walk away from a job someday, cash value is patient capital. It doesn't care about your credit score. It doesn't require a pitch deck. It just grows.
No employer can take it. No market crash can zero it out. No policy lapse if you change careers or go independent. Once paid up — at year 10 or 20 — it requires nothing more from you and gives you everything in return.
Most banks won't fund a dream. Most investors want equity. Your policy cash value is different — it's yours, it doesn't dilute your ownership, and it grows whether your business does or not.
Policy loans require no credit check and no approval process. You borrow against your own cash value — and the underlying policy continues to grow at the same rate as if you hadn't borrowed.
Entrepreneurship is inherently uncertain. Your policy provides a guaranteed asset that grows regardless of how the business is doing. It's the financial stability that lets you take bigger swings.
The best time to start building cash value is while you have consistent income. Your W2 or 1099 income funds the policy, and by the time you're ready to launch, you have accessible capital waiting.
If you already have a business partner, whole life policies are the standard mechanism for funding buy-sell agreements — ensuring business continuity without liquidating assets in a crisis.
Tell us a little about yourself. An APPA advisor will prepare your personalized NLG illustration and reach out within 2 business days.
Your application has been received. An APPA advisor will prepare your personalized NLG illustration and reach out within 2 business days.
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