Medical assistants, dental hygienists, front office staff — the people who keep your practice running deserve the same access to guaranteed, tax-free wealth building that the physicians at the top of your practice have had for decades.
Request a Program Overview See the NumbersWhole life insurance with cash accumulation has been used by physicians and practice owners to build wealth for decades. APPA brings the same financial tool to every member of your team — support staff, clinical staff, and physician partners — through a single group program with one billing relationship.
Every team member builds a growing, tax-deferred financial asset through their work. Guaranteed growth. Dividend-earning. No market exposure.
Staff can access their cash value without a bank or credit check — for any purpose. Financial access that changes how people relate to their work.
APPA funds 100% of premiums for 12 months. Your team starts building immediately — you pay nothing until month 13.
For physician partners, whole life policies can be structured to fund buy-sell agreements — cost-effective succession planning built into the same program.
Financially stable staff provide more consistent, higher quality patient care. Patient satisfaction and practice reputation both benefit.
One consolidated monthly bill. No individual underwriting burden on the employer. Straightforward enrollment for all eligible staff.
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 practice. We will walk through what APPA looks like for your team profile — support staff, clinical staff, and any physician partnership considerations.
No obligation. No hard sell. A straightforward conversation about what this looks like for your operation.