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.
Esophageal cancer affects approximately 22,370 Americans each year. The 5-year survival rate is about 22%, as most cases are diagnosed at advanced stages.
22,370
New Cases per Year
22%
5-Year Survival Rate
3 Days
To Funding with Life Credit
Treatment may include surgery (esophagectomy), chemotherapy, radiation, targeted therapy, or immunotherapy — often in combination. An esophagectomy is a major surgery requiring extended hospitalization and recovery.
Esophageal cancer treatment costs frequently exceed $150,000. The combination of major surgery, chemotherapy, and the need for nutritional support and feeding tubes creates significant financial 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 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 esophageal 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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