Travel nurses earn more per shift — you cannot win that battle. But APPA gives your permanent staff something no travel contract can: a growing financial asset that belongs to them, tax-free, for life. That is a competition you can win.
Request a Program Overview See the NumbersTravel agency contracts offer money. APPA offers something money can't buy at any given moment — a permanent, growing financial asset that has been quietly accumulating for years and that leaving means walking away from. A nurse with four years of vested cash value has a real financial reason to stay that no agency contract can replicate.
Every year of employment adds to a growing cash value that nurses can access without a credit check — for emergencies, education, or any purpose.
Not a stock. Not a fund. Guaranteed growth written into the policy contract — plus dividends from a carrier with over 170 consecutive years of payments.
Nurses can borrow against their own policy value without any bank involvement. That kind of financial access is rare at most income levels.
APPA funds 100% of premiums for 12 months. Your staff starts building from day one — you pay nothing until month 13.
Stable, long-tenured nursing staff directly improves CMS Five-Star staffing ratings — affecting Medicare/Medicaid reimbursements and referral volume.
Every permanent staff member retained is 2–3 agency shifts you do not pay for. The math usually makes this program cash-flow positive.
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 | $2,100 | Policy active. Growing from day one. |
| Year 3 | $3,800 | $6,400 | $9,700 | Real emergency fund. Accessible anytime. |
| Year 5 | $7,200 | $12,100 | $18,400 | Down payment. Business capital. Education. |
| ★ Year 10 | $18,500 | $31,000 | $47,200 | Policy Paid Up — No More Premiums. Ever. |
| Year 20 | $36,800 | $61,700 | $93,900 | Retirement supplement. Tax-free access. |
| Year 30 | $58,200 | $97,500 | $148,400 | Generational wealth. Tax-free to family. |
| Total Paid In | $18,000 | $30,000 | $45,600 | 10 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.
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.
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.
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.
Tell us about your facility. We will walk through what APPA looks like for your staffing profile and show you the projected impact on agency spend.
No obligation. No hard sell. A straightforward conversation about what this looks like for your operation.