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.
Colorectal cancer is the third most common cancer in the United States, with approximately 153,020 new cases expected in 2025. The 5-year survival rate is about 65% overall, but drops significantly for late-stage diagnoses.
153,020
New Cases per Year
65%
5-Year Survival Rate
3 Days
To Funding with Life Credit
Treatment typically involves surgery, chemotherapy, radiation, targeted therapy, or immunotherapy — often in combination. Treatment can span 6 months to over a year, with chemotherapy cycles that leave patients unable to work for weeks at a time.
The average cost of colorectal cancer treatment ranges from $40,000 to over $200,000 depending on stage. Newer targeted therapies and immunotherapies can cost $10,000 to $15,000 per month.
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 you're fighting cancer, you can't wait months.
The loan is repaid from the death benefit. You never make a payment. No income requirements, no credit check.
Medical bills, mortgage payments, experimental treatments, travel, childcare — there are no restrictions on how you use the money.
If you meet these basic requirements, you may be eligible for a Living Benefit Loan:
You have a life insurance policy with a death benefit of $75,000 or more (term, whole, universal, or group)
You have been diagnosed with colorectal cancer or another serious medical condition
Your policy is active and premiums are current (or within the grace period)
Find out how much you can access — no obligation, no credit check.
If you have life insurance, here are the ways you can access cash during treatment.
| Option | Accelerated Death Benefit | Viatical Settlement | Living Benefit Loan |
|---|---|---|---|
| What Happens | Early payout from insurer | Sell policy to investor | Borrow against policy |
| Keep Policy? | Partial — reduces benefit | No | Yes ✓ |
| Amount | 25-50% (varies by insurer) | 50-80% | Up to 50% |
| Speed | Weeks | 2-4 months | As fast as 3 days ✓ |
| Eligibility | Must have rider; terminal | Terminal or chronic | Serious illness + $75K policy |
| Beneficiaries Protected? | Reduced | No | Yes — remaining balance ✓ |
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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