A Living Benefit Loan lets you borrow against your life insurance policy — up to 50% of the death benefit — without selling it. No monthly payments. No credit check. Funding in as few as 3 days.
COPD is the third leading cause of death in the United States, affecting approximately 16 million diagnosed Americans (with millions more undiagnosed). Over 150,000 Americans die from COPD each year. The disease is progressive and includes chronic bronchitis and emphysema, making breathing increasingly difficult over time.
150,000+
New Cases per Year
varies
5-Year Survival
3 Days
To Funding
Treatment includes bronchodilators, inhaled corticosteroids, pulmonary rehabilitation, supplemental oxygen therapy, and in severe cases, lung volume reduction surgery or lung transplant. Many COPD patients experience frequent exacerbations requiring hospitalization. Advanced COPD patients may require 24-hour oxygen therapy.
COPD costs the U.S. healthcare system over $50 billion per year. Per-patient annual costs range from $7,000 for mild cases to over $40,000 for severe COPD. Supplemental oxygen costs $300-$1,000 per month. Frequent hospitalizations for exacerbations average $10,000-$20,000 each. Many patients face early retirement and loss of income.
If you have a life insurance policy with a death benefit of $75,000 or more, you may be able to borrow against it — without selling it, without monthly payments, and without a credit check.
Unlike a viatical settlement, you don't sell your policy. Your beneficiaries still receive the remaining death benefit.
Receive up to 50% of your death benefit in as few as 3 days. When time matters, speed matters.
The loan is repaid from the death benefit. No income requirements, no credit check, no financial stress.
Medical bills, caregivers, home modifications, facility costs, family expenses — there are no restrictions.
Life insurance policy with a death benefit of $75,000 or more
Diagnosed with COPD (Chronic Obstructive Pulmonary Disease) or another serious medical condition
Policy is active with premiums current (or within the grace period)
Find out how much you can access — no obligation, no credit check.
Find out how much cash you can access from your life insurance — no obligation, no credit check, funding in as few as 3 days.
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