Medical and dental professionals protect patients' health. APPA protects their financial health — with the same precision and discipline.
High income, high exposure: Physicians and dentists earn well but carry significant debt, overhead, and dependency obligations. The gap between earnings and protection is often vast.
Practice vulnerability: A solo or small-group practice depends entirely on the practitioner. A health event that sidelines the owner can collapse the business.
Tax burden: High earners face the highest marginal tax rates. Traditional retirement vehicles are fully taxable. Tax-free income engineering is not a luxury — it's a strategy.
Policy loans are not reported as income. For high earners in the 32–37% bracket, this creates a retirement income stream that's invisible to the IRS.
A whole life policy structured through APPA can fund buy-sell agreements, key person coverage, and practice continuation — all in one vehicle.
Offer APPA as a supplemental executive benefit for physicians and senior staff. Retention, recruitment, and protection in one package.
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.