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.
Kidney cancer (renal cell carcinoma) affects approximately 84,290 Americans each year. The 5-year survival rate is about 77% overall. When caught early, the survival rate exceeds 93%.
84,290
New Cases per Year
77%
5-Year Survival Rate
3 Days
To Funding with Life Credit
Treatment for early-stage kidney cancer typically involves surgery (partial or radical nephrectomy). Advanced kidney cancer is treated with targeted therapy, immunotherapy, or combination therapy. Treatment may continue for months or years.
Kidney cancer treatment costs range from $40,000 for early-stage surgery to over $200,000 for advanced disease requiring targeted therapy or immunotherapy. Drugs like sunitinib and cabozantinib cost $10,000+ 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 kidney 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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