Trustpilot ★★★★★ 4.9/5 ✓ Featured on PBS ✓ CA Licensed Lender

How To Qualify

Last updated: March 2026

Find out if you qualify for our Living Benefit Life Insurance Loan program.

Confident senior woman considering her financial options
Doctor providing compassionate care to senior patient

You May Qualify If…

If you can answer yes to the following, you may qualify for our Living Benefit life insurance loan program.

$100,000+ in Life Insurance

You own a life insurance policy with a death benefit of at least $100,000.

Cancer or Serious Illness

You have been diagnosed with cancer or another serious illness.

Senior 70+ with Chronic Disease

Or you are a senior over age 70 with a chronic disease.

Qualifying Life Insurance Policies

Regardless of what type of life insurance policy you own, if you have at least $100,000 of coverage you may be eligible for our life insurance loan program. We specialize in providing financial aid for cancer patients and helping other seriously ill patients. We accept:

  • Term Life Insurance
  • Group Life Insurance
  • FEGLI (Federal Employees' Group Life Insurance)
  • Whole Life Insurance
  • Variable Life Insurance
  • Universal Life Insurance

Qualifying Medical Conditions

We provide financial help for cancer patients and others who have been diagnosed with a serious illness. Some of the patients we work with include:

  • Cancer Patients
  • Seniors with Chronic Disease
  • ALS Patients
  • Alzheimer's Patients
  • Congestive Heart Failure Patients
  • Stage IV Renal Failure Patients
  • End-stage Liver Disease Patients

Uncertain About Whether You Qualify?

Unsure about whether your life insurance policy is eligible, or whether your medical condition qualifies? Call us to learn more. Our consultation is always free with no obligation.

Real Stories From Real Patients

Hear from people who've been through our program and found the financial relief they needed.

★★★★★

"Life Credit was my miracle. They loaned me a total of $100,000 against my life insurance which enabled me to get a double stem cell transplant and I am now in full remission."

Steve M.
★★★★★

"Hearing that I can use my life insurance policy to pay for the expenses and treatments that I need without becoming financially destitute was a life-changing moment."

Joan M.

"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