Contact Us - Cash Value Lending

Our Firm
Policy Owner
Loan for Life™
Professionals

Contact Us

Our Firm
Policy Owner
Professionals
Investors

Contact Us

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+ 1 (208) 297-3072

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We finance life.

Our Firm
Policy Owner
Loan for Life™
Professionals

Get in touch!

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Your policy's cash value typically becomes a useful source of funds only after several years of premium payments, which allows the cash value to build up. Each method of utilizing your policy's cash value has advantages and disadvantages and is subject to different tax consequences. Surrenders of, withdrawals from and loans against a policy will reduce the policy's cash surrender value and death benefit and may also affect any dividends paid on the policy. As a general rule, surrenders and withdrawals are taxable to the extent they exceed the cost basis of the policy, while loans are not taxable when taken. Loans taken against a life insurance policy can have adverse effects if not managed properly. Policy loans and automatic premium loans, including any accrued interest, must be repaid in cash or from policy values upon policy termination or the death of the insured. Repayment of loans from policy values (other than death proceeds) can potentially trigger a significant tax liability, and there may be little or no cash value remaining in the policy to pay the tax. If loans equal or exceed the cash value, the policy will terminate if additional cash payments are not made. Policy owners should consult with their tax advisors about the potential impact of any surrenders, withdrawals or loans. Not all products and services are available in all states. IRS Circular 230 Disclosure: Cash Value Lending Corporation does not provide legal, tax or accounting advice. To ensure compliance with requirements imposed by the IRS, we inform you that any tax advice contained in this message (including any attachments) was not intended or written to be used, and cannot be used for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any matters addressed herein. You should obtain your own independent legal, tax or accounting advice based on your particular circumstances.