Unlock the Cash Value in Your Policy — Without Impacting Your Coverage
Kensington Financial Associates delivers concierge-style loans using your whole life insurance cash value as collateral. No banks. No committees. Just real people, ready to help.
Get your complimentary pre-qualification
Takes about 30 seconds · No obligations · Privacy Guaranteed · Response within 24 hours
Licensed & Insured where requiredHow It Works
A straightforward process, no committees, no bureaucracy. See the full 6-step process on our dedicated page.
Submit Your Application
Complete our application form and provide your policy values report.
Receive Your Term Sheet
Our team reviews your policy cash value and delivers a clear, competitive term sheet — typically within 48 hours.
Access Your Funds
Once all documentation is submitted and approved, funds are accessible within 24–48 hours. Subsequent draws on your line arrive just as fast.
No Restrictions on Use
Our clients use their policy loans for everything from real estate to paying off high-interest debt.
Real Estate Investing
Access capital for down payments or acquisitions without liquidating other assets.
High-Interest Debt Payoff
Replace credit card balances (avg. ~28% APR) with a policy-backed loan at a competitive rate.
Business Capital
Fund operations, expansion, or inventory without a bank's documentation requirements.
Medical Expenses
Cover unexpected medical bills quickly with no restrictions on how funds are used.
See the Difference
Policy-backed lending is a fundamentally different product from a bank loan — fewer requirements, faster access, and no impact on your other assets.
| Feature | Kensington | Traditional Banks |
|---|---|---|
| Primary Collateral | Life insurance cash value | Real estate, assets, personal guarantees, or a combination |
| Credit Check | Limited review — most borrowers qualify | Typically required |
| Income Verification | Not required* | Usually required |
| Tax Returns | Not required* | Usually required |
| Financial Statements | Not required | Often required |
| Debt-to-Income Analysis | Not required | Typically required |
| Personal Guarantee | Not required | Often required, especially for business lending |
| Risk of Property Liens | None | Common depending on collateral |
| Use of Funds Restrictions | None | May be restricted based on loan type |
| Multiple Policies as Collateral | Yes — unlimited policies | Typically not available |
| Loan-to-Value | Up to 95% of eligible collateral value | Varies significantly |
| Credit Reporting | Not reported to credit bureaus | Generally reported |
| Impact on Credit Utilization | None | May impact credit profile |
| Application Fees | None | Often charged |
| Origination Fees | None | Often charged |
| Annual Maintenance Fees | None | May apply |
| Prepayment Penalty | None | May apply depending on loan type |
| Access to Additional Funds | 24–48 hours after approved request | May require new underwriting or approval |
| Line of Credit Flexibility | Pay down and re-borrow at any time | Varies by lender |
| Credit Line Increases | Available as policy values grow | Typically requires re-underwriting |
| Client Experience | Dedicated relationship manager, start to finish | Often multiple departments and representatives |
| Approval Focus | Policy collateral strength | Borrower income, assets, credit, and cash flow |
| Loan Process | Streamlined and collateral-driven | Documentation-intensive |
| Committee Review | None | Required |
| Typical Funding Timeline (Initial) | Approximately 2–3 weeks | Often several weeks to months |
* Income verification and tax returns not required for loans up to $1 million.
Efficient, Flexible, Personal
No Income Verification*
Your policy's cash value is the collateral — not your paycheck.
No Personal Guarantees
No liens against your home or other personal assets.
Up to 95% LTV
Access up to 95% of your policy's eligible cash value.
Zero Fees
No application, origination, maintenance fees, or prepayment penalties.
Multiple Policies Welcome
One credit line can be backed by unlimited policies across any carrier.
Dedicated Relationship Manager
One real human, direct contact — from application to closing and beyond.
* Income verification and tax returns not required for loans up to $1 million.
Common Questions
Will you loan against my death benefit?
How much can I borrow?
How fast is the process?
Do you run a credit check?
What are your fees?
What is the duration of the loan?
How do I access my line of credit?
What if I already have a loan with another bank or my insurance carrier?
Is there a prepayment penalty?
Are there fees for cash advances?
Ready to Access Your Cash Value?
Our team is ready to review your policy and provide a no-obligation term sheet. No credit check. No fees. Just answers.