APPA gives every driver on your roster $500,000 in permanent whole life insurance — building real wealth for the people who run your miles. You start for $0 out of pocket.
The trucking industry has been losing trained drivers faster than it can replace them for years. Sign-on bonuses and pay bumps have raised costs without building loyalty — drivers take the bonus and move on.
A driver without financial roots in your company is a different kind of risk — on the road and in the cab. Financially invested employees drive differently. That shows up in your loss ratio before it shows up in your insurance premium.
Health insurance is expected. PTO is invisible. You need a benefit that compounds — something a competitor can't match with a one-time payment and a handshake.
APPA advances the premium through a structured funding loan — every driver is covered from day one while you stay in full control of your cash flow.
A driver with a growing financial asset tied to their tenure has skin in the game that goes beyond a paycheck. That changes behavior on the road — and on your bottom line.
Financially invested drivers make more deliberate decisions behind the wheel. Less distraction, more discipline. That translates directly to fewer incidents, lower liability exposure, and cleaner DOT records.
Careful handling reduces damage claims, protects shipper relationships, and defends your contract renewals. Every saved claim is margin that stays in your operation.
Safer driving behavior improves your FMCSA safety rating — a direct factor in qualifying for contracts with major shippers and freight networks. Better scores mean more contract options and better rates.
Enter your fleet details to see estimated benefit cost, retention savings, and net position.
Your fleet 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 used by Fortune 500 companies for decades to retain executives. APPA brings the same mechanism to your entire workforce, not just your top two people.
| Feature | Traditional Split Dollar | APPA Group Program |
|---|---|---|
| Who it covers | 1–2 executives or key employees | Your entire eligible workforce |
| Who funds the premium | Employer — from day one | APPA — first 12 months free to you |
| Policy ownership | Employer or employee (varies by type) | Employee — vests over time |
| Cash value goes to | Employer (economic) or employee (loan) | Employee — grows permanently |
| Employer collateral required | Business assets or personal guarantee | Policy cash value only — nothing else |
| Retention mechanism | Selective — rewards chosen few | Workforce-wide golden handcuff |
| Accessibility | Typically Fortune 500 / large employers | Any fleet — 10 drivers or 1,000 |
| After pay period ends | Ongoing administration required | Policies paid up — zero obligation |
"Split dollar is what large companies have used to keep their best executives for decades. The mechanism is the same — employer-funded permanent life insurance, employee ownership, cost recovery through the policy. APPA makes it available to every fleet operator, for every driver on the roster. Your drivers deserve the same financial tools that 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 fleet profile and reach out within 2 business days with a customized NLG illustration.
Questions in the meantime: [email protected]