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.
Chronic kidney disease (CKD) affects approximately 37 million Americans, with over 130,000 progressing to end-stage renal disease (ESRD) each year. While early-stage CKD can be managed, ESRD requires dialysis or transplant to survive. The 5-year survival rate on dialysis is approximately 35%.
130,000+
New Cases per Year
varies
5-Year Survival
3 Days
To Funding
Treatment includes medication management, dietary changes, and eventually dialysis or kidney transplant. Hemodialysis requires 3 sessions per week, each lasting 3-5 hours. Peritoneal dialysis is done daily at home. A kidney transplant requires major surgery and lifelong immunosuppressive medications.
Kidney disease is extremely expensive to manage. Dialysis costs $90,000-$100,000 per year. A kidney transplant costs $400,000 or more, plus $15,000-$20,000 annually in anti-rejection medications. Many dialysis patients are unable to work full-time due to the frequency and side effects of treatment.
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 time matters, speed matters.
The loan is repaid from the death benefit. No income requirements, no credit check, no financial stress.
Medical bills, caregivers, home modifications, facility costs, family expenses — there are no restrictions.
Life insurance policy with a death benefit of $75,000 or more
Diagnosed with Kidney Disease or another serious medical condition
Policy is active with premiums current (or within the grace period)
Find out how much you can access — no obligation, no credit check.
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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