APPA gives every member of your practice team $500,000 in permanent whole life insurance with growing cash value — retaining the people your patients trust, and funding the financial architecture your practice needs.
Primary care, specialty groups, urgent care, and multi-physician practices. Retain the MAs, front desk, billing staff, and nursing support who make your patient experience possible — and fund the buy-sell agreement that protects the practice itself.
GP · Specialist · Urgent CareSolo dentists and group practices face among the highest non-clinical staff turnover in healthcare. Hygienists, assistants, and front office staff are expensive to replace and take months to train. A meaningful retention benefit changes that equation entirely.
Solo · DSO · Group PracticePhysical therapy, chiropractic, optometry, dermatology, and behavioral health practices. Often owner-operated with small teams where every departure is deeply disruptive — and where the owner themselves may be the best candidate for an individual policy.
PT · Chiro · Optometry · BHPatients return for their doctor — but they leave over staff. The front desk, the MA who calls with results, the hygienist they've seen for years — these relationships are the practice's reputation. Every departure is a patient loyalty risk.
Clinical staff in medical and dental practices require credentialing, systems training, compliance training, and months before they're fully productive. The true cost of turnover in a practice setting is consistently underestimated.
Most physician and dental partnerships have no funded buy-sell agreement. If a partner dies, becomes disabled, or wants to exit — the remaining partners face a crisis. Whole life policies are the most reliable, tax-efficient mechanism to fund that obligation.
APPA advances the premium through a structured funding loan — your entire team is covered from day one while your practice budget stays intact through the early months.
Every eligible staff member receives permanent whole life coverage with growing cash value — the benefit that builds loyalty because leaving means walking away from a real financial asset.
Whole life policies are the gold standard mechanism for funding physician and dental partnership buy-sell agreements. APPA can facilitate individual policies for each partner — so the practice is protected if something happens to any owner.
Enter your practice details to see estimated benefit cost against staff retention savings.
Your practice qualifies for APPA subscriber pricing. See if you're eligible.
Apply to Become an APPA Subscriber →Large hospital systems and academic medical centers have used split dollar plans to retain department heads and physician leaders for years. APPA makes employer-funded permanent life insurance available for every staff member in your practice — MAs, hygienists, front desk, billing — not just the providers.
| Feature | Traditional Split Dollar | APPA Group Program |
|---|---|---|
| Who it covers | Physician partners or key employees only | Every eligible team member |
| Who funds the premium | Practice — from day one | APPA — first 12 months at zero cost |
| Physician collateral | Personal guarantee often required | Policy cash value only — never personal |
| Buy-sell coverage | Yes — for physician partners | Yes — individual + group through APPA |
| Accessibility | Large systems and hospital groups | Solo practice to multi-site group |
| After pay period ends | Ongoing administration | Policies paid up — zero obligation |
"Hospital systems have used split dollar to keep their physician leaders for decades. APPA brings the same mechanism to independent and group practices — for every team member and every physician partner. Your MA and your dental hygienist deserve the same financial tools your hospital competitors offer their executives."
Tell us about your practice. An APPA advisor will reach out within 2 business days with a customized NLG illustration for your team size and structure.
An APPA advisor will review your practice profile and reach out within 2 business days with a customized NLG illustration.
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