Unlock the value of your life insurance through bespoke Cash Surrender Value (CSV) and Immediate Financing Arrangement (IFA) lending solutions.
Make the Most of Your Life Insurance Policy
Your life insurance policy can be more than protection; it can be a powerful financial asset. With Care Lending Group’s Cash Surrender Value (CSV) Lending Solutions, you can access the value built within your whole life insurance policy to meet your personal, investment, or business goals.
Unlock the Value Within Your Life Insurance
Your life insurance policy can do more than protect your loved ones; it can also help you unlock new financial opportunities today. By leveraging the cash surrender value (CSV) of your permanent life insurance, you can access funds when you need them most without disrupting your long-term coverage or investment goals.
Live the Life You’ve Planned Whether it’s a dream vacation, a home renovation, or a once-in-a-lifetime experience, your policy’s built-up value can give you the flexibility to make it happen. Access liquidity quickly and efficiently, and use your resources to enhance your lifestyle now, not later.
Support Those Who Matter Most Give your family a financial boost when it counts. Use your policy’s value to fund a child’s education, contribute to a wedding, or help them take the first step toward homeownership through a tax-efficient strategy designed around your goals.
Strengthen Your Investment Strategy Expand your portfolio with confidence. CSV lending can help fund a real estate opportunity, diversify your investments, or provide capital for a new business venture, giving you the freedom to act when opportunity knocks.
Build a Smarter Retirement Plan Your policy’s cash value can play a strategic role in retirement planning. Supplement your income, bridge financial gaps, or preserve other investments by accessing funds as needed while keeping your insurance coverage intact.
Fuel Business Growth For business owners and incorporated professionals, CSV lending offers a flexible way to access working capital. Whether it’s business expansion, succession planning, or seizing a growth opportunity, you can do more with the equity you’ve already built.
Prepare for the Unexpected Life is unpredictable; your finances shouldn’t be. Having credit available against your life insurance policy gives you peace of mind knowing you can handle unexpected expenses without compromising your long-term goals.
Key Benefits of CSV Lending with CLG
- Tax-efficient funds
Access the value in your policy through a lending structure that provides cash in a tax-efficient manner. - No additional collateral required
Your policy’s cash value serves as the collateral, so there’s no need to pledge additional assets. - Access up to 100% of your policy premium
Depending on eligibility, borrow up to 100% of your total annual premium. - Continued growth
Your policy continues to grow even while you access its value. - Available across Canada
Canadian residents who are the age of majority and hold qualifying whole life policies may be eligible for CLG’s Insurance Lending Solutions.