PPLI Policy Loans
Borrow against your life insurance policy's cash value tax-free while your investments continue growing
How It Works
Your PPLI policy accumulates cash value as your underlying investments appreciate
You request a loan from the insurance carrier using your policy’s cash value as collateral
You receive funds without triggering a taxable event—no income tax on the borrowed amount
Your policy investments continue to grow tax-free while the loan remains outstanding
Key Benefits
Tax-Free Liquidity
Access cash without capital gains or income tax consequences
Continued Growth
Your policy investments keep compounding while you use borrowed funds
No Repayment Required
Loans can be repaid or settled from death benefit proceeds
Who This Is For
PPLI policyholders needing liquidity without triggering tax events. Ideal for funding major purchases, investments, or living expenses while preserving tax-deferred growth.
By The Numbers
0%
Tax on Borrowed Funds
90%
Typical Loan-to-Value
3-5%
Interest Rate
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