Whisk together milk and instant pudding powder. Fold in cool whip.

Gently fold in apples. Let sit in fridge for an hour or overnight to marinate.

Melt butter, chocolate chips, and cream slowly over a double burner. Stir until smooth. Drizzle over apple salad as desired.

Variations; Peanuts, cream cheese, pistachios, white chocolate chips, banana, fluff, various flavored instant puddings (butterscotch shown below), cashews, almonds, hazelnuts, macadamia nuts, candied pecans, walnuts, honey, pears, orange, crushed pineapple, marshmallows, raisins, vanilla, dessert wine, allspice, dried apricots or cherries, brandy, cinnamon, coconut, cranberry, currants, figs, dates, grapes, maple, nutmeg, quince, sour cream, yogurt, liqueurs