In-Force Financing

Our In-Force Financing  program allows advisors to refinance their client’s outstanding policy loans at a lower rate and better terms, using the underlying insurance policy as collateral.

LifeLine offers qualified clients the ability to borrow from their life insurance cash value – either in the form of a Line of Credit or outright Loan. It  is a more cost effective alternative to borrowing direct from the insurance carrier.

  • Advisors can increase policy performance
  • Offer alternative to accessing cash values for retirement

The Advantage

  • Line of Credit or Policy Loan
  • Rates as low as 3.25%
  • Floating, fixed and capped rate options
  • No cancellation fees or prepayment penalties
  • No feed due to inactivity
  • Minimum loan of $60,000
  • Simplified underwriting

Get Started

  • In-force illustration showing loan payoff
  • 2 years tax returns
  • Bank & brokerage stmts.
  • Personal financial statement


“The most cost  effective way to realize your cash value in a life insurance policy, especially if the policy is with a carrier that that is Direct Recognition”

James Isip, Financial Advisor