The trucking industry loses drivers faster than it can hire them. APPA gives you a structured financial tool that creates real retention gravity — not a signing bonus, not a pay bump. Something that grows quietly and makes leaving a genuine financial decision.
Request a Program Overview See the NumbersPay increases get absorbed into cost of living within months. A whole life policy with growing cash value is different — it accumulates quietly, compounds with dividends, and becomes something real. Drivers who are building something through their job stay. Drivers who are just collecting a paycheck move on.
Every premium builds cash value — guaranteed, tax-deferred, earning dividends. Nothing market-dependent. Nothing that disappears.
APPA funds 100% of premiums for the first 12 months. Your program is running before you write a check.
A driver with 3 years of accumulated cash value thinks twice before leaving. That pause is worth more than any retention bonus.
The policy follows the driver forever once vested — but unvested cash value on early departure offsets your program cost.
Drivers can access their cash value via policy loans — no credit check, no bank. That is a benefit they have never had before.
Group billing consolidates all enrolled drivers onto a single employer invoice. Simple to administer, straightforward to explain.
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 operation. We will show you exactly what APPA looks like for your fleet size and average driver age — including projected retention savings.
No obligation. No hard sell. A straightforward conversation about what this looks like for your operation.