Nurses and long-term care workers protect patients every day. APPA ensures their own financial health is equally secure.
Burnout and turnover: Nursing sees some of the highest burnout rates in any profession. When nurses leave, their employer group coverage leaves with them.
Shift work and health impact: Irregular schedules, physical strain, and exposure to illness affect long-term health — and insurability.
Portable protection gap: Nurses who move between facilities, agencies, or states need protection that travels with them. Employer group plans don't.
Your APPA policy goes wherever you go. Change jobs, change states, change careers — your protection, cash value, and income stream stay with you.
Access a portion of your death benefit during a chronic, critical, or terminal illness. Financial autonomy when your health changes.
Social Security and a 403(b) may not be enough. Tax-free policy loans create a retirement income layer that isn't taxable and isn't subject to market volatility.
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.