For Construction & Trades Employers

You Build Structures
That Last Generations.

Your crew should be building something that lasts too. APPA gives skilled tradespeople a guaranteed, tax-free financial asset that accumulates through every season they stay — and makes walking away for the next site a real financial decision.

Request a Program Overview See the Numbers
68% Annual Trades Turnover
$9,000–14,000 Per Tradesperson Exit Cost
Tax-Free Worker Wealth Growth
$0 Year One Cost to You
Skilled People Are Hard to Find

Give Your Crew a Reason
to Build a Career Here.

Skilled tradespeople can work for anyone. The ones who stay — who learn your systems, who train the newer crew, who care about quality — are worth more than any new hire. APPA gives you the financial tool that creates genuine loyalty — not obligation, but real economic alignment between how long they stay and what they build for themselves.

  • 💰
    Tax-Free Cash Accumulation
    Growing inside the policy year after year — guaranteed, tax-deferred, earning dividends. Not a promise. A contract.
  • 🔑
    No Credit Check Access
    Workers borrow against their own policy value — no bank, no application. Financial access most working people have never had.
  • 📈
    Dividends That Compound
    Backed by a carrier with over 170 consecutive years of dividend payments. Dividends compound inside the policy — quietly building alongside the guaranteed growth.
  • 🛡️
    Guaranteed — Market Proof
    When markets crash, this policy keeps growing. Minimum guaranteed growth is written into the contract. Zero market exposure. Zero volatility.
Program Benefits

Built for This Industry.

01

Cash Value That Compounds

Every year of service adds to a growing, tax-deferred cash value. Guaranteed growth plus dividends — nothing the market can erase.

02

No Bank. No Credit Check.

Workers access their policy value via loans without bank involvement. Financial access most tradespeople have never had.

03

Zero Year-One Cost

APPA funds all premiums for the first 12 months. Your crew builds from day one — you pay nothing until month 13.

04

Vesting Creates Gravity

Cash value vests gradually over time. Workers who leave early forfeit unvested value — which offsets your program cost. Workers who stay build real wealth.

05

Portable After Vesting

Once fully vested, the policy follows the worker — even if they eventually leave. That's a benefit worth having and worth staying for.

06

Better EMR. Better Bids.

Financially stable workers have lower workplace injury rates. Reduced EMR scores improve your bid eligibility and lower commercial insurance premiums.

The Math Is Simple

What a Tradesperson Builds Over Time

Three premium levels. Same structure. Same guaranteed growth. The only ingredient — time.

Policy Year $150/mo
Entry Level
$250/mo
Standard
$380/mo
Employer Funded
What It Means
Year 1$820$1,380$2,100Policy active. Growing from day one.
Year 3$3,800$6,400$9,700Real emergency fund. Accessible anytime.
Year 5$7,200$12,100$18,400Down payment. Business capital. Education.
★ Year 10$18,500$31,000$47,200Policy Paid Up — No More Premiums. Ever.
Year 20$36,800$61,700$93,900Retirement supplement. Tax-free access.
Year 30$58,200$97,500$148,400Generational wealth. Tax-free to family.
Total Paid In$18,000$30,000$45,60010 years only — then growth is free.

★ On a 10-Pay structure, premiums stop completely at year 10. Cash value and dividends continue for life at no further cost. Values shown are illustrative estimates for a 42-year-old. Actual values depend on age, health, and policy specifics. Past dividend performance does not guarantee future results.

How APPA Works

Three Phases. Zero Risk.

01

Phase One — APPA Funds (Months 1–12)

APPA advances 100% of premiums to the carrier for the first 12 months. Your team starts building cash value immediately. Your out-of-pocket cost in year one is zero.

02

Phase Two — Optional (Months 13–17)

Employers may make optional partial payments during this period — any amount, no minimum. This reduces the outstanding balance but is entirely voluntary. No penalty for paying nothing.

03

Phase Three — Structured Repayment (Month 18+)

A predetermined installment schedule — agreed before day one — begins at month 18. Secured only by the cash value accumulated in the policies. No business lien. No personal guarantee.

Request a Workforce Capital Analysis

Request a Workforce Capital Analysis

Tell us about your crew. We will show you what APPA looks like for your trade, crew size, and state — including projected retention savings and EMR impact.

No obligation. No hard sell. A straightforward conversation about what this looks like for your operation.