Construction and trades workers build America's infrastructure. APPA builds their financial infrastructure with the same durability.
Highest injury rates: Construction accounts for the most workplace fatalities of any industry. The need for death benefit and living benefits is acute.
Physically demanding careers: Bodies wear down. Health conditions accumulate. By age 50, many tradespeople face insurability challenges that make new coverage expensive or impossible.
Inconsistent benefits: Many construction workers are contractors, union members with varying coverage, or employed by small firms with minimal benefits.
Death benefit and living benefits riders are active immediately. No waiting period, no exclusions for occupation.
Younger tradespeople can lock in preferred health rates before the physical toll of the job affects their insurability. This is the efficiency window.
Contractors and small firm owners get key person coverage, buy-sell funding capability, and personal protection in a single vehicle.
Offer APPA as a voluntary benefit — no cost to your organization, high value to your workforce. APPA handles enrollment, education, premium assistance, and ongoing advisory. Your employees get access to living benefits protection and tax-free income building that they couldn't access on their own.
Access to your workforce through benefits enrollment or information sessions.
Premium assistance, policy structuring, named advisors, education ecosystem, and ongoing program management. Zero cost to the employer.