Cash Surrender Value Program

Leverage your policy to access funds

Life Insurance policies with a cash value component are a powerful financial tool for both individuals and businesses. WealthONE Cash Surrender Value Loan & Line Program offers you access to cost effective funds by leveraging the fully paid cash surrender value of your life insurance policy. Our program provides maximum flexibility with access to a personal or commercial line of credit or loan plan with an amortization of up to 5 years.*

WealthONE Cash Surrender Value Loan & Line Program Features:

  • Borrow up to 90% of the cash surrender value within your policy
  • Minimum line of credit or loan plan is $100,000
  • Access to funds in a cost-efficient, convenient manner
  • Competitive rates
  • Flexible payment options

By leveraging your life insurance policy as collateral for a loan or line of credit you can access funds tax-free*, while allowing the cash surrender value inside the policy to continue to grow in a tax-advantaged basis. The funds you borrow can be used to:

Grow Your Business

Expand Investment Opportunities

Supplement Retirement Income

Secure a Rainy Day Fund

Ready to Get Started? Contact a WealthONE Lending Specialist Today

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Our customer service team is available
Monday to Friday 8am to 8pm (EST.) Saturday 10am to 4pm (EST.)

We are pleased to offer service in 
English, Mandarin and Cantonese.

Legal Disclaimer:

Cash Surrender Value (CSV) loans and lines of credit are available for London Life Participating Life Insurance policies only. All applications are subject to customers meeting WealthONE credit granting criteria. Terms and conditions are subject to change without prior notice.

Probate fees are applicable if you have not designated a beneficiary and the proceeds of your policy become part of your estate.

Tax-free funds are limited to a maximum amount equal to the adjusted cost basis of the policy, reduced by any previous loans. Current tax laws have restrictions on the maximum amount of money that can be used to fund a tax-sheltered insurance policy.