Borrow Against theCash Value in YourLife Insurance Policy
- Borrow Against Your Existing Policy Borrow against built up cash value on your existing universal life or whole life insurance policy
- Refinance a Current Policy Loan Cut the rate you are currently paying on a loan against your life insurance policy
- How to Qualify Simply provide some basic information and you can obtain a rate and be pre-qualified in seconds
- About Gracie Point Gracie Point is a financial services firm based in New York City that solely focuses on providing financing solutions in the insurance industry and has a primary focus on the needs of individuals
Why MyPolicyLoan
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$120 Billion
The amount people have borrowed against their universal life and whole life insurance policies directly from the life insurance carriers.
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Rates as low as 3.5%
Most insurance companies charge 5-8% to borrow against cash value. Gracie's rate is as low as 3.50%.
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Borrow 100%
Up to 100% of the low point cash surrender value - a function of the premiums paid over time, surrender charge, and the crediting rate on the policy.
Maximize Life. Maximize Insurance.
Life insurance is a unique asset. One that you buy for tomorrow, but hope you never really need to use. Gracie Point allows you to maximize the use of your life insurance policy today without impairing the benefits or purpose of the coverage itself.
Leverage cash value instead of paying for premiums out of pocket, borrowing from the carrier, or even taking out a margin loan or home equity line. Make your life insurance policy work for you.
A Lender You Can Trust
Gracie Point is a financial services firm based in New York City that is solely focused on providing financing solutions in the insurance industry and has a primary focus on the needs of individuals. Gracie Point's team has decades of experience in life insurance, premium finance, and structured finance that enables us to offer you access to a depth of expertise not available from other firms.