Last updated: March 2026
How Our Living Benefit Loans Provide Financial Help for Cancer Patients
We've designed our process to be as quick and stress-free as possible — because you have enough to worry about.
Your first step is to contact us so that a professional counselor can walk you through our short life insurance loan application process. During this step we will gather information about your health and life insurance policy to determine if you qualify.
Within 72 hours of receiving a complete application, your dedicated counselor will inform you of how much of a loan you qualify for. We will then enter into a loan agreement and instruct your life insurance company to record our loan.
What we need from you: A copy of your medical records along with a recent life insurance policy statement. All information can be sent via mail, fax, or email — whichever is easier for you.
Once we receive confirmation from your life insurance company that our loan has been recorded, we will immediately disburse your funds. You can receive your loan in as little as 3 weeks from the date of application.
Our professional counselors are standing by to help. Consultations are always free with no obligation.
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."
"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."
"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."
