Extra funds can be a real life changer

Life Insurance policies with a cash value component are a powerful Financial tool for both individuals and businesses The cash surrender value (CSV) of a life insurance policy is a valuable asset and therefore you can use it as collateral for a line of credit without interrupting the growth of your policy. You can access cash that’s tax-free and keep your policy intact.*

Contact Our Experienced Representatives

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Jason Zhang
(Eastern Canada)
Mobile: 647-978-1989
Office:  866-597-3668 ext. 8103
Email:  jason.zhang@wealthonebank.ca
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Johnny Li
(Western Canada)
Mobile: 778-319-9726
Office:  866-597-3668 ext. 8204
Email:  johnny.li@wealthonebank.ca

You can choose to use the newly accessed funds however you want:

Grow Your Business to another level

Buy a new home or purchase a property

Create an emergency fund or support a family member

Build your wealth and reach your financial goals faster

Get Approval in 48 Hours!

5-10 minute Application | Get up to $1,000,000

Borrowing up to $1,000,000

If your financing needs exceed $1,000,000, you may still qualify for a participating loan and line of credit. However, 48-hour fast approval does not apply in this case.

24 Months Policy

If your participating insurance policy has not been in force for at least 24 months, you may not qualify for a loan and line of credit.

Good Credit History

If you demonstrate financial strength and you have a good personal credit score, your chance of qualification may increase significantly.

Program Features:

  • Borrow up to 90% of the cash surrender value within your policy
  • Minimum line of credit or loan plan is $100,000
  • Competitive rates

English, Mandarin & Cantonese

*Legal Disclaimer:

All applications are subject to customers meeting Wealth One credit granting criteria. Terms and conditions are subject to change without prior notice.

Consult your financial advisor to discuss your unique tax situation and the tax-free benefits of a CSV Line of Credit.

Consult WealthONE Representatives for your policy qualification.

Application fees will apply.