Unlocking  the value in your in-force insurance policy while enjoying the policy protection and other benefits stated in your insurance policy.

This financing service is only applicable to a fully paid insurance policy, with a surrender value and was issued by a reputable insurance company.

The insurance policyholder agrees to assign the policy to us as collateral in exchange for the financing services. In the event of death, surrender or maturity of the insurance policy, we will receive the payout from the insurance company. The payout will be used to settle the financed amount and the outstanding interest, if any, and return any remaining balance of the proceeds to the insurance policy owner or designated beneficiary

The financing amount will be determined based on the insurance policy’s’ latest guaranteed surrender value. The applicable loan to value (“LTV”) ratio will depend on the policy type, policy Issuer Company, etc. The LTV ratio we offer is up to 90% of the latest guaranteed surrender value.

Able to accept a policy that is owned by an individual or company insuring a third party as collateral. Policies must have Guaranteed Surrender value. Loans will be disbursed to the policy owner.

E.g. the latest guarantee surrender value of policy A, issued by a reputable insurance company, is SGD1,000. The maximum financing we can offer is capped at SGD900.

Benefits of insurance policy backed financing include:

• Liquidity to pursue your cash needs
• Continue enjoying the policy’s coverage without having to surrender your policy
• No interruption to your wealth planning and long term financial goals
• Enjoy the appreciation on your insurance policy value