Policy Loan Resource Center
One of the most powerful features of your whole life policy is the ability to access capital without disrupting your financial plan. These guides were created to help you understand exactly how your policy loan works, in plain language — including how interest is calculated, what your bill actually means, and when a policy loan makes the most sense for your situation
Covers advance interest billing, the difference between your loan balance and payoff amount, and how your lien works.
Covers interest billed in arrears, the 61-day termination notice window, and how repayment works.
Covers daily interest accrual, quarterly rate changes, the APL feature, and the age 100 fixed rate provision.
Covers the fixed vs. variable rate election, daily interest accrual, and the 30-day anniversary repayment rule.
Not Sure Which Carrier You're With?
No problem — reach out and we'll point you in the right direction. We're also happy to walk through your specific loan situation together.
These guides are for educational purposes only and do not constitute legal, tax, or financial advice. Life insurance products contain fees and restrictions. Please consult your advisor for guidance specific to your situation."