Policy Loans

Policy loans on policies without cash surrender value are not available through traditional channels but may be available on qualified policies. The valuation process remains the same however the age and health of the insured(s) is a predominant factor. Policy loans vary by transaction and may be available on a lump sum cash payment basis or on a monthly or annual payment.

Policy loans are highly sensitive to interest rate variations, the insured’s age and health status and policy coverage and may not be available on a given policy.