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“Need to access cash? Need to reduce cost of premiums? Need to preserve benefits for your family. Any or all of the above?

Why choose a Loan for Life™ over more traditional options available to whole life policy owners? Simply put, because it’s demonstrably better for you and your family.

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Bank Loan vs. Loan For Life

Here is a comparison of a traditional bank loan against a policy versus a Loan For Life ™, which may be a better option for your Client. Make sure you consider all options before making a decision.
  • Loan For Life ™, is for life vs. Bank loan is for a period of 3-5 years.
  • Loan For Life ™, is a fixed interest rate vs. bank loan usually has a variable rate
  • Loan For Life ™, has no credit check vs. bank loan requires a credit check
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Life Settlements vs. Loan for Life

Here is a comparison of a traditional life settlement on your policy versus a Loan For Life ™, which may be a better option for your client. Be sure to consider all of your options before making a decision.

  • Loan For Life ™, is not based on mortality vs. traditional life settlement requires medical records and/or life expectancies
  • Loan For Life ™, evaluations are completed in days vs. traditional life settlement takes weeks to gather the medical records, life expectancies and offers on the policy
  • Loan For Life ™, is based offered on whole life policies vs. traditional life settlements usually do not receive offers on whole life policies due to their being little flexibility in the policy.
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Premium Finance vs. Loan For Life

Here is a comparison of premium financing a policy versus a Loan For Life ™, which may be a better option for your Client. Make sure you consider all options before making a decision.
  • Loan For Life ™, is for life vs. Premium finance is for a period of 36-60 months.
  • Loan For Life ™, is a fixed interest rate vs. Premium Finance usually has a variable rate tied to a benchmark
  • Loan For Life ™, proceeds can be used any way you wish vs. Premium Finance can be used solely for payment of the policy premiums directly to the carrier.
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"Loan for Life™" - Keeping Whole Life Alive

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