Cash Value Line of Credit

Cash Value Line of Credit

Access liquidity by borrowing against the cash value of an eligible life insurance policy while keeping the policy in force.

Program Rates & Terms

• Loan Amount: 80% to 95% of available policy cash value
• Estimated Rate: 4% to 8%, depending on carrier and policy structure
• Structure: Line of credit secured by policy cash value
• Credit Check: Not required in many cases
• Repayment: Flexible; no fixed repayment schedule in many structures

Qualification Guidelines

• Policy: Must own an eligible cash value life insurance policy
• Cash Value: Policy must have sufficient available cash value
• Credit: Not required in many cases
• Income: Not required in many cases
• Policy Status: Policy should be active and in good standing

Required Documents

• Recent life insurance policy statement
• Policy loan request form
• Government-issued ID, if required
• Carrier authorization forms, if required
• Completed application or funding request

Best Fit For

• Business owners with cash value life insurance
• Individuals seeking liquidity without traditional bank financing
• Borrowers who want access to funds without a credit-based approval
• Business owners needing flexible capital for any business purpose
• Those who want to keep their life insurance policy active while accessing cash value

Key Insight

A 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.