$2M death benefit + chronic, critical, and terminal illness riders active from day one.
Yr 2
Loans Begin Offsetting Premium
Your first policy loan of $18,159 reduces your out-of-pocket from $42,000 to $23,841.
Yr 10
Crossover — You Stop Paying
At age 45, loans exceed your premium. Net cost goes negative. The policy is paying you.
Yr 14
Fully Paid Up — Age 49
Contract premium drops to $0. No more outlay. Ever. The policy sustains itself.
Yr 15
Tax-Free Income Begins
$21,826/yr starting at age 50. Grows every year. Death benefit stays fully intact.
Three Phases
BUILD — Years 1–14
Overfund the policy. Loans offset your premium from Year 2. Your real cost drops every year. Paid up at age 49.
CROSSOVER — Year 10
At age 45, loans exceed your premium. You stop paying out of pocket. The policy pays for itself.
INCOME — Year 15+
Policy loans = tax-free income for life. $21K/yr at 50, growing to $60K+ by 70 and $86K+ by 99. Death benefit stays intact.
Your Real Cost & Income
YEAR BY YEAR
YrAgeLoanNet CostCash Val
136—$33,600$13K
237$18,159$23,841$18K
338$35,998$14,402$27K
439$42,094$8,306$38K
540$43,626$6,774$48K
641$45,211$5,189$60K
742$46,590$3,810$71K
843$48,274$2,126$83K
944$50,016$384$96K
1045$51,775(–$1,375)$109K
1146$53,749(–$3,349)$122K
1247$55,614(–$5,214)$136K
1348$57,501(–$7,101)$151K
1449$43,858(–$13,560)$162K
▼ INCOME PHASE — TAX-FREE LOANS ▼
1550$21,826$167K
2055$25,460$197K
2560$29,828$232K
3065$34,822$273K
3570$39,718$320K
4075$43,888$373K
4580$47,942$431K
5085$52,478$494K
5590$60,672$566K
6095$74,895$651K
6499$86,327$737K
Age 49
Fully Paid Up
Yr 10
Crossover
$86K
Tax-Free / yr by 99
Your Income Grows Every Year
TAX-FREE POLICY LOAN INCOME
Age 50 — $21,826/yr
$21.8K
Age 55 — $25,460/yr
$25.5K
Age 60 — $29,828/yr
$29.8K
Age 65 — $34,822/yr
$34.8K
Age 70 — $39,718/yr
$39.7K
Age 75 — $43,888/yr
$43.9K
Age 80 — $47,942/yr
$47.9K
Age 85 — $52,478/yr
$52.5K
Age 90 — $60,672/yr
$60.7K
Age 95 — $74,895/yr
$74.9K
Age 99 — $86,327/yr
$86.3K
50 years of tax-free, growing income
The Big Picture
TOTAL PREMIUMS PAID
$618K
Over 14 years
TOTAL TAX-FREE INCOME
$2.3M+
Over 50 years
DEATH BENEFIT AT 99
$2.7M
Tax-free to beneficiaries
CASH VALUE AT 99
$737K
After 50 yrs of loans
Why Starting at 36 Changes Everything
You lock in insurability at the youngest, healthiest, and cheapest you'll ever be. Your policy is fully paid up by 49 — and you have 50 years of compounding tax-free income ahead of you.
By 70, you're drawing nearly $40K/yr tax-free. By 90, over $60K/yr. The death benefit grows past $2.5M and stays intact the entire time.
Layer a second policy in 3–5 years and you're building a tax-free income system that outlasts any 401(k), pension, or rental property.
What's Included
APPA covers your upfront premium capital during the build phase. No credit check, no income verification gatekeeping. Your protection starts immediately while the build happens.
Chronic, critical, and terminal illness riders are active from day one. If life happens during the build, you're covered — and you can access a portion of your death benefit while you're still alive.
Online workshops, self-paced modules, and access to the APPA publication portfolio — Psychology Aisle, Heal Frontier Magazine, and APPA's Own. All included in your $199/yr membership.
A dedicated advisor who manages your policy design, monitors performance, guides your loan strategy, and conducts annual reviews. Direct access, not a call center.
Each year, 80% of available cash value increase is deployed as a loan, leaving a healthy cash balance for other needs. This discipline protects your policy's long-term health and ensures the income phase performs as designed.
Your future is worth protecting. Your income is worth engineering.
This illustration was prepared specifically for you. The numbers are real. The vehicle is real. The only question is when you start.