{"product_id":"cash-value-l-ine-of-credit","title":"Cash Value Line of Credit","description":"\u003ch2\u003eCash Value Line of Credit\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eAccess liquidity by borrowing against the cash value of an eligible life insurance policy while keeping the policy in force.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cdiv style=\"background:#071224;border:2px solid #00c389;padding:20px;border-radius:12px;margin:25px 0;color:#ffffff !important;\"\u003e\n  \u003ch3 style=\"color:#00c389 !important;margin-top:0;\"\u003eTransparent Pricing\u003c\/h3\u003e\n  \u003cp style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eApplying for funding is FREE.\u003c\/strong\u003e\u003c\/p\u003e\n  \u003cul style=\"color:#ffffff !important;\"\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eNo Upfront Fees\u003c\/strong\u003e\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eNo Application Fees\u003c\/strong\u003e\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eConsultation Fee ONLY\u003c\/strong\u003e if you choose advisory help\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003eNo obligation to accept funding\u003c\/li\u003e\n  \u003c\/ul\u003e\n\u003c\/div\u003e\n\n\u003cdiv style=\"background:#071224;border:2px solid #d4af37;padding:20px;border-radius:12px;margin:25px 0;color:#ffffff !important;\"\u003e\n  \u003ch3 style=\"color:#d4af37 !important;margin-top:0;\"\u003eOptional Consultation Services\u003c\/h3\u003e\n  \u003cul style=\"color:#ffffff !important;\"\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eAI Funding Advisor™:\u003c\/strong\u003e $250\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eSenior Funding Consultant™:\u003c\/strong\u003e $500\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003ePrivate Capital Division™ Consultation:\u003c\/strong\u003e $1,000\u003c\/li\u003e\n  \u003c\/ul\u003e\n  \u003cp style=\"color:#ffffff !important;\"\u003eThese services are optional and separate from the free funding application.\u003c\/p\u003e\n\u003c\/div\u003e\n\n\u003ch3\u003eProgram Rates \u0026amp; Terms\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003eLoan Amount:\u003c\/strong\u003e 80% to 95% of available policy cash value\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eEstimated Rate:\u003c\/strong\u003e 4% to 8%, depending on carrier and policy structure\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eStructure:\u003c\/strong\u003e Line of credit secured by policy cash value\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eCredit Check:\u003c\/strong\u003e Not required in many cases\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eRepayment:\u003c\/strong\u003e Flexible; no fixed repayment schedule in many structures\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eQualification Guidelines\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003ePolicy:\u003c\/strong\u003e Must own an eligible cash value life insurance policy\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eCash Value:\u003c\/strong\u003e Policy must have sufficient available cash value\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eCredit:\u003c\/strong\u003e Not required in many cases\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eIncome:\u003c\/strong\u003e Not required in many cases\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003ePolicy Status:\u003c\/strong\u003e Policy should be active and in good standing\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eRequired Documents\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eRecent life insurance policy statement\u003c\/li\u003e\n  \u003cli\u003ePolicy loan request form\u003c\/li\u003e\n  \u003cli\u003eGovernment-issued ID, if required\u003c\/li\u003e\n  \u003cli\u003eCarrier authorization forms, if required\u003c\/li\u003e\n  \u003cli\u003eCompleted application or funding request\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eBest Fit For\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eBusiness owners with cash value life insurance\u003c\/li\u003e\n  \u003cli\u003eIndividuals seeking liquidity without traditional bank financing\u003c\/li\u003e\n  \u003cli\u003eBorrowers who want access to funds without a credit-based approval\u003c\/li\u003e\n  \u003cli\u003eBusiness owners needing flexible capital for any business purpose\u003c\/li\u003e\n  \u003cli\u003eThose who want to keep their life insurance policy active while accessing cash value\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eKey Insight\u003c\/h3\u003e\n\u003cp\u003e\nA cash value line of credit can provide flexible liquidity by using the accumulated cash value inside an eligible life insurance policy. Because approval is often based on policy value instead of credit or income, it can be useful for business owners who want access to capital without a traditional loan approval process.\n\u003c\/p\u003e\n\n\u003cdiv style=\"text-align:center;margin:40px 0;\"\u003e\n  \u003ca href=\"https:\/\/www.consultantcoachbroker.com\/a\/AFF-EED61F\" target=\"_blank\" style=\"display:inline-block;background:#00c389;color:#ffffff;padding:18px 45px;border-radius:10px;text-decoration:none;font-size:22px;font-weight:bold;letter-spacing:1px;box-shadow:0 0 15px rgba(0,195,137,.35);\"\u003e\n     APPLY NOW - FREE\n  \u003c\/a\u003e\n\n  \u003cp style=\"margin-top:20px;font-size:18px;\"\u003e\n    \u003cstrong\u003eNo Upfront Fees • No Application Fees • No Obligation\u003c\/strong\u003e\n  \u003c\/p\u003e\n\n  \u003cp\u003eComplete your free funding assessment and discover whether a cash value line of credit may fit your funding needs.\u003c\/p\u003e\n\u003c\/div\u003e","brand":"The Funding Store","offers":[{"title":"Default Title","offer_id":50740740227212,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0777\/4440\/6668\/files\/LineofCredit.png?v=1782002828","url":"https:\/\/thefundingstores.com\/products\/cash-value-l-ine-of-credit","provider":"The Funding Stores","version":"1.0","type":"link"}