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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Cindy Gong
(Eastern Canada)
Mobile: 647-778-2358
Office: 866-597-3668 ext. 8102
Email: cindy.gong@wealthonecanada.com
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Cavan Cheng
(Western Canada)
Mobile: 604-218-2738
Office: 866-597-3668 ext. 8206
Email: cavan.cheng@wealthonecanada.com

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 $500,000


Borrowing $100,000 - $500,000

If your financing needs exceed $500,000, 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.