A Lending Partner That Helps You Better Serve Your Clients
Kensington partners with insurance professionals to help clients access liquidity using the value they've accumulated in their whole life insurance policies. Our goal is simple: help you provide more solutions, strengthen client relationships, and uncover opportunities already within your existing book of business.
Whether you prefer to remain actively involved throughout the process or would rather introduce us directly to your client, we work the way you want to work.
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Licensed & Insured where requiredWhy Agents Partner With Kensington
We Never Take Over Your Relationships
You decide how involved you want to be — stay in every client conversation, attend meetings with us, or simply introduce us and step back. Our role is to support your client and your practice.
Strengthen Client Retention
When clients need liquidity, they often look outside their insurance policy capabilities. By introducing Kensington, you can provide an additional service while remaining their trusted advisor.
Expand the Solutions You Offer
Help clients access capital without surrendering policies, triggering taxable events, seeking bank financing, or liquidating other assets.
Dedicated Service Team
Every client receives personalized service from a dedicated relationship manager. Agents and clients know exactly who to contact throughout the life of the loan.
Marketing Support
We provide educational and marketing materials to help you introduce lending solutions to your clients, and our team is available to assist with client meetings and presentations.
Complimentary Book of Business Review
Provide an Excel spreadsheet of your clients' policy information and our team will identify clients who may already qualify for lending solutions. Client names are not required — policy details alone are enough for us to identify potential opportunities.
Solutions We Offer
Cash Value Line of Credit (CVLOC)
- Up to 95% loan-to-value
- Loan amounts from $75,000 to $2,000,000 (higher amounts available, subject to review and approval)
- 36-month term with option to extend an additional 36 months
- No restrictions on use of funds
- No application, origination, or maintenance fees
- No prepayment penalties
- 24–48 hour access to advances on established lines
- Multiple policies may be combined into a single line of credit
Premium Deposit Account Line of Credit (PDALOC)
Many carriers offer premium deposit accounts or similar programs. Kensington can often lend against these assets, creating additional planning opportunities for your clients. If you're unsure whether a client's assets qualify, our team can review the case.
Personal, Trust, and Business Lending
We offer lending solutions for individuals, trusts, and businesses. Loan proceeds can be deposited directly into a business account or an LLC, supporting a wide variety of planning strategies.
Additional Value for Your Clients
Ongoing Credit Line Increases
As policy values grow, borrowing capacity may increase. We can review policies periodically and identify opportunities to increase available credit without waiting for loan maturity.
Premium Monitoring Support
Our team assists in monitoring premium activity and can help identify potential concerns before they become larger issues. By keeping up with premium due notices, we help notify clients so they can take care of premiums on time and avoid a policy lapse.
Existing Carrier Loan Review
Many clients already have loans with their insurance carriers. We can help evaluate whether their current borrowing arrangement remains the cost effective solution.
Premium Financing Resources
For clients who may benefit from premium financing strategies, Kensington can introduce you, the agent, to the appropriate team within our organization.
Why Kensington?
Personalized Service
Real people. Direct communication. Dedicated relationship managers.
Simple Process
Collateral-focused lending with minimal documentation requirements.
Flexible Partnership
You control how involved you want to be.
Existing Book of Business Evaluation
Identify qualified clients already within your practice.
Advanced Planning Support
Solutions for personal, trust, and business-owned policies.
Online Client Portal
Clients get secure online access to view their line of credit details anytime through our client portal.