How it works

Life insurance policies with a cash value component are powerful financial tools for both individuals and businesses. Our Participating Life Insurance Loan & Line of Credit Program offers you access to funds by leveraging the fully paid cash surrender value of your life insurance policy from major Canadian insurance companies. Our program provides maximum flexibility with access to a personal or commercial line of credit or loan with terms up to 5 years.*

Contact Our Experienced Business Development Managers

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Jason Zhang
(Eastern Canada)
Mobile: 647-978-1989
Office:  866-597-3668 ext. 8103
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Johnny Li
(Western Canada)
Mobile: 778-319-9726
Office:  866-597-3668 ext. 8204

By leveraging your life insurance policy as collateral for a loan or line of credit, you can use your funds for:

Business Development

Property Investment

Emergency Fund

Other Investment Opportunities of Your Choice

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 Wealth One Business Development Managers for your policy qualification.

Application fees will apply.