About
Access the cash value in your whole life insurance policy for various needs like business, home improvements, or vacations. Offers flexible lines of credit with easy fund access and no upfront fees. Consult with a specialist for personalized solutions.
What's New in Cash Value Line of Credit
26.7.000
July 16, 2026
Bug fixes and performance improvements.
Developer apps
FAQ
What is Cash Value Line of Credit?
Cash Value Line of Credit allows you to borrow against the accumulated cash value of your whole life insurance policy. It provides flexible access to funds for various personal or business needs.
What are the minimum and maximum line amounts for Cash Value Line of Credit?
The lines of credit offered range from $65,000 up to $5,000,000, providing options for both smaller and larger financial needs.
Are there any fees associated with opening a Cash Value Line of Credit?
No, there is no application fee, closing costs, or pre-payment penalty. However, Florida applicants may be subject to a document stamp tax.
How can I access funds from my Cash Value Line of Credit?
You can easily access your funds through personal checks or convenient online transfers, offering flexibility in how you receive your money.
Can I use multiple life insurance policies as collateral for Cash Value Line of Credit?
Yes, the service allows for multiple eligible life insurance policies to be used as collateral for a single line of credit, potentially increasing borrowing capacity.
What are the eligibility requirements for the life insurance policies?
Eligible life insurance policies must be at least one year old and issued by a Valley-approved mutual insurance company. All policy owners must execute the necessary loan documents.
Is the interest rate for Cash Value Line of Credit fixed or variable?
The application offers a competitive, variable interest rate. It's advisable to consult with a financial advisor to understand the implications of a variable rate.
Does Cash Value Line of Credit have ads?
No, this application does not contain advertisements, providing a clean and uninterrupted user experience.
