A Grateful Wife

“Life Credit was our miracle.”

Ellen's Story

The Survivor

“My ‘Living Benefit Loan’ has allowed me to live a life with less stress.”
John's Story

A Strong Mom

“I feel very blessed.”

Tracey's Story

What is a Living Benefit Loan?

Life Credit Company provides loans for cancer patients and others who have a serious illness through its Living Benefit Program.

A Living Benefit Loan allows you to borrow money against any life insurance policy.  You can receive up to 50% of your life insurance policy’s death benefit. You will never be required to make loan payments or incur any out-of-pocket expenses. Whether you need to catch up on medical bills, consolidate debt, pay your mortgage or rent, or take your family on a dream vacation, this is your money to spend without restrictions. If you have been diagnosed with cancer or another serious medical condition and have at least $75,000 of life insurance, you may qualify. 

Life Credit Company can offer you help quickly! Fill out the short form on this page and we’ll get back to you right away.


Watch Our Video To Learn More

As featured on PBS’s American Health Journal

Lives Changed

The Living Benefit Loan Program

Receive a cash advance against any life insurance policy through our Living Benefit Loan Program. Get the financial help you need within 30 days.

How It Works

We will issue you a loan secured solely by your life insurance policy for up to 50% of its death benefit. Our loan is repaid by your life insurance policy’s death benefit with the remainder going to your beneficiaries. Click here to learn more about how a Living Benefit Loan works! 

How to Qualify

If you have been diagnosed with cancer or other serious illness and own $75,000 or more of life insurance coverage, you may qualify for a Living Benefit Loan. Find out if you quality now!

Our Simple Loan Process

1-Apply 2-Get approved 3-Receive your funds.  Get approved within 3 days. Begin the loan process!

About Us

We are a nationally licensed consumer lender that is dedicated to providing financial assistance for the patients who need it the most – those with cancer and other seriously ill patients. Learn more about Life Credit Company!


If you still have questions about Living Benefit Loan Program, visit our FAQ page and get the answers! 


Our customer testimonials offer great insight into the power of the Life Benefit Loan program. Read customer experiences 

Hi I’m David.

I am looking forward to helping you get the money you need today. Whether you are ready to apply or just have a question, please do not hesitate to reach out.


David Curiel

Director of Client Relations

Get the financial help you need!

Contact us today.

* Required Fields

Click to view our Privacy Policy

For Immediate Assistance

Call Us at 1-888-274-1777

Life Credit Company, LLC
7911 Herchel Avenue, Suite 201
La Jolla, CA 92037
Business Hours: 9:30am-6:30pm EST M-F

Life Credit Company BBB Business Review

California Finance Lender License # 603K051

Maximum APR = 35.99%, Minimum repayment = 90 days, maximum repayment = 120 months. Your actual rate depends upon, loan amount, loan term, and collateral, and will be agreed upon between you and the lender. An example of total amount paid on a loan of $200,000 secured by a $400,000 life insurance policy for a term of 24 months at a rate of 18% would be equivalent to $295,188.80 over the 24 month life of the loan, this includes an origination fee equal to 3% of the life insurance policy’s death benefit which serves as collateral. Life Credit Company, LLC is a California licensed consumer lender, as required by law, with its main office located at 7911 Herschel Avenue, Suite 201., La Jolla, CA 92037, Telephone Number 888-274-1777. California Finance Lender License #601K051. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.Life Credit is a marketing company. It is not a life settlement provider or broker. Life Credit will refer qualified policies to a licensed entity.