Nevelyn, this was made just for you.
It explains, in plain language, exactly how your APPA policy works, what it does for you, and why it may be a smarter use of your money than buying a home right now.
We know you've spent your life giving to the people you love. This is about protecting yourself and building something that gives back to you.
You're thinking about buying a home. Before you do, look at where that money actually goes:
The money you'd spend on a down payment and closing costs? Put it here. It builds cash value, provides illness protection from day one, and starts paying you back — tax-free.
Think of your policy like a savings account that also protects you.
Every year, you put money in. First year: $54,426. After that: $36,000/year. Some goes to protection. The rest goes into a cash account that grows every year, guaranteed.
The policy earns dividends. The insurance company pays you dividends that grow every year. By year 5, your dividends are over $9,000. By year 16, nearly $30,000.
You can borrow from your cash value — tax-free. Starting in year 2, you take small loans from your policy. These loans are not taxed and don't show up on your tax return. And your cash value keeps growing as if the money is still there.
Your protection is active from day one.
For a few years of higher premiums ($96K/yr in years 4–12), Option B gives you dramatically more of everything. Here's what changes:
The illness protection difference is the biggest number. At age 89, Option B gives you $1,147,363 in chronic illness benefit — nearly double Option A.
APPA's guidance: If you can handle the higher premiums during years 4–12 (with premium assistance), Option B builds a far stronger foundation for your protection and legacy.
Your policy has built-in protection called Accelerated Benefit Riders. These let you use part of your death benefit while you are still alive if you become seriously ill.
Your loved ones receive the death benefit — tax-free, directly, no probate. In year 1, that's $1,000,100. Even after years of loans, at age 80 it's still over $900,000. At 90, over $813,000. Your family is protected.
Your premium is $54,426 in year 1, then $36,000/year. But as dividends grow, your real out-of-pocket drops every year. By age 84, it's around $15,850. By age 98, only $6,370. The policy gets cheaper and cheaper as it matures.
And APPA will always work with you. We have structured repayment plans, and your cash value is always there as a safety net.
Your cash value is your money. By age 75 (just 6 years): $106,723. By age 80: $248,675. By age 90: $440,876. It grows every single year, guaranteed.
APPA's job is to help you not touch it early — that's how the income grows. We're your accountability partner.
You've spent your life caring for others. This policy cares for you.