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.
Heart failure affects approximately 6.7 million Americans, with 550,000 new cases diagnosed each year. The 5-year survival rate is about 50%, though it varies significantly by stage and type. Heart failure is a chronic, progressive condition where the heart can't pump enough blood to meet the body's needs.
550,000
New Cases per Year
50%
5-Year Survival
3 Days
To Funding
Treatment includes medications (ACE inhibitors, beta-blockers, diuretics), lifestyle modifications, cardiac rehabilitation, implantable devices (pacemakers, defibrillators), and in severe cases, heart transplant or ventricular assist devices (LVAD). Many patients require frequent hospitalizations and ongoing monitoring.
Heart failure costs the U.S. healthcare system over $43 billion per year. The average annual per-patient cost is $24,000-$50,000. A heart transplant costs $1.4 million or more. LVADs cost $175,000-$250,000 for the device and surgery alone. Frequent hospitalizations — averaging $15,000-$25,000 each — add significantly to the burden.
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 Heart Failure 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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