{"id":1597,"date":"2024-09-19T17:40:35","date_gmt":"2024-09-19T17:40:35","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=1597"},"modified":"2026-02-27T15:11:18","modified_gmt":"2026-02-27T15:11:18","slug":"prestamos-de-seguros-de-vida","status":"publish","type":"page","link":"https:\/\/insurancebuddyusa.com\/es\/prestamos-de-seguros-de-vida\/","title":{"rendered":"Pr\u00e9stamos de seguro de vida permanente"},"content":{"rendered":"<style>.kb-row-layout-id1597_72e7f5-34 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_72e7f5-34 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_72e7f5-34 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:150px;padding-right:0px;padding-bottom:120px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1597_72e7f5-34 > .kt-row-layout-overlay{opacity:0.70;background-image:url('https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:center center;background-attachment:fixed;background-repeat:no-repeat;}@media all and (max-width: 1024px), only screen and (min-device-width: 1024px) and (max-device-width: 1366px) and (-webkit-min-device-pixel-ratio: 2) and (hover: none){.kb-row-layout-id1597_72e7f5-34 > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id1597_72e7f5-34 > .kt-row-column-wrap{padding-top:140px;padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1597_72e7f5-34 > .kt-row-column-wrap{padding-top:120px;padding-right:20px;padding-bottom:50px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1597_72e7f5-34 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1597_f43575-4b > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_f43575-4b > .kt-inside-inner-col,.kadence-column1597_f43575-4b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_f43575-4b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_f43575-4b > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_f43575-4b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_f43575-4b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_f43575-4b{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_f43575-4b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_f43575-4b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_f43575-4b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading1597_985290-7a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_985290-7a\">Life Insurance Family Loans<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40, .wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40[data-kb-block=\"kb-adv-heading1597_01dad9-40\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40[data-kb-block=\"kb-adv-heading1597_01dad9-40\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40[data-kb-block=\"kb-adv-heading1597_01dad9-40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1597_01dad9-40 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_01dad9-40\">One of the major advantages of a permanent life insurance policy is the ability to access the cash value without incurring taxes. This benefit also allows you to utilize up to 100% of the cash value of your policy.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_995e4b-67{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1597_995e4b-67 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_995e4b-67 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_995e4b-67 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:110px;padding-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1597_995e4b-67 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_995e4b-67 > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1597_995e4b-67 > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:10px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1597_995e4b-67 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{display:flex;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col,.kadence-column1597_8c8fef-05 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_8c8fef-05{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_8c8fef-05{position:relative;}.kadence-column1597_8c8fef-05, .kt-inside-inner-col > .kadence-column1597_8c8fef-05:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:60px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1597_8c8fef-05{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1597_8c8fef-05, .kt-inside-inner-col > .kadence-column1597_8c8fef-05:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1597_8c8fef-05{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_8c8fef-05\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">How Does Family Loan Impact Your Policy?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A major advantage of owning an permanent life insurance policy is the ability to access your policy&#8217;s cash value without paying taxes. You can even use up to 100% of the accumulated cash value in some cases. Thanks to specific IRS provisions, you can access the cash value tax-free through a policy loan. Permanent life insurance policies offer several types of loans, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Variable<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Fixed<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Indexed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fixed Loans<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A fixed loan allows you to borrow against your policy, with the insurance company charging a fixed interest rate on the borrowed amount. For every dollar you borrow, an equal amount of your policy&#8217;s cash value is moved into a &#8220;collateral&#8221; account. The insurance company guarantees that this collateral account will earn a specified rate of return.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{display:flex;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col,.kadence-column1597_7f319b-c6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_7f319b-c6{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_7f319b-c6{position:relative;}.kadence-column1597_7f319b-c6, .kt-inside-inner-col > .kadence-column1597_7f319b-c6:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:100px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1597_7f319b-c6{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6 > 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.kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_7f319b-c6, .kt-inside-inner-col > .kadence-column1597_7f319b-c6:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1597_7f319b-c6\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1240\" height=\"629\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-liquidity.jpg\" alt=\"\" class=\"wp-image-2121\" style=\"width:480px;height:auto\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-liquidity.jpg 1240w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-liquidity-300x152.jpg 300w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-liquidity-1024x519.jpg 1024w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-liquidity-768x390.jpg 768w\" sizes=\"auto, (max-width: 1240px) 100vw, 1240px\" \/><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1240\" height=\"932\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Financial-multi_tool.jpg\" alt=\"\" class=\"wp-image-2123\" style=\"width:480px;height:auto\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Financial-multi_tool.jpg 1240w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Financial-multi_tool-300x225.jpg 300w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Financial-multi_tool-1024x770.jpg 1024w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Financial-multi_tool-768x577.jpg 768w\" sizes=\"auto, (max-width: 1240px) 100vw, 1240px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_ae78bf-1b{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:44px;padding-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1597_ae78bf-1b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:10px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1597_ae78bf-1b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1597_624bb7-93 > .kt-inside-inner-col{display:flex;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col,.kadence-column1597_624bb7-93 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_624bb7-93{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_624bb7-93{position:relative;}.kadence-column1597_624bb7-93, .kt-inside-inner-col > .kadence-column1597_624bb7-93:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1597_624bb7-93 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:60px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1597_624bb7-93{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1597_624bb7-93, .kt-inside-inner-col > .kadence-column1597_624bb7-93:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_624bb7-93 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1597_624bb7-93{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_624bb7-93\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized has-lightbox\"><a href=\"\/get-started-perm\/\"><img decoding=\"async\" width=\"1000\" height=\"1569\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote.png\" alt=\"\" class=\"wp-image-1822\" style=\"width:352px;height:auto\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote.png 1000w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-191x300.png 191w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-653x1024.png 653w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-768x1205.png 768w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-979x1536.png 979w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column1597_744a27-c3 > .kt-inside-inner-col{display:flex;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col,.kadence-column1597_744a27-c3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_744a27-c3{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_744a27-c3{position:relative;}.kadence-column1597_744a27-c3, .kt-inside-inner-col > .kadence-column1597_744a27-c3:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:100px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1597_744a27-c3{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column1597_744a27-c3, .kt-inside-inner-col > .kadence-column1597_744a27-c3:not(.specificity){margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_744a27-c3 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column1597_744a27-c3{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_744a27-c3, .kt-inside-inner-col > .kadence-column1597_744a27-c3:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1597_744a27-c3\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indexed IUL Loans<\/strong><br>With an indexed loan, the borrowed funds continue to follow the performance of the underlying index(es) rather than being placed in a collateral account. The collateral for your loan remains tied to the movement of the selected index(es). Typically, the interest rate charged by the insurance company on an indexed loan is higher than that of a fixed loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Variable IUL Loans<\/strong><br>Variable loans are similar to indexed loans, as the borrowed funds also track the underlying index(es). However, the interest rate on a variable loan is often lower than that of an indexed loan since the insurer is not obligated to a guaranteed rate. Despite this, variable loans may still carry a higher interest rate compared to fixed loans, as the collateral is usually invested in riskier assets than cash.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_8022e7-2e{margin-top:0px;margin-bottom:90px;}.kb-row-layout-id1597_8022e7-2e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_8022e7-2e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_8022e7-2e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1597_8022e7-2e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 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.kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_3f3772-dd\"><div class=\"kt-inside-inner-col\"><style>.kadence-column1597_586f55-9d > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_586f55-9d > .kt-inside-inner-col,.kadence-column1597_586f55-9d > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column1597_586f55-9d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_586f55-9d > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_586f55-9d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_586f55-9d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_586f55-9d{position:relative;}.kadence-column1597_586f55-9d, .kt-inside-inner-col > .kadence-column1597_586f55-9d:not(.specificity){margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column1597_586f55-9d > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_586f55-9d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_586f55-9d\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1597_6e88a8-e3 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_6e88a8-e3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_6e88a8-e3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem 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.wp-block-kadence-advancedheading.kt-adv-heading1597_4f8e66-d5[data-kb-block=\"kb-adv-heading1597_4f8e66-d5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1597_4f8e66-d5, .wp-block-kadence-advancedheading.kt-adv-heading1597_4f8e66-d5[data-kb-block=\"kb-adv-heading1597_4f8e66-d5\"]{text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:8em;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading1597_4f8e66-d5, .wp-block-kadence-advancedheading.kt-adv-heading1597_4f8e66-d5[data-kb-block=\"kb-adv-heading1597_4f8e66-d5\"]{margin-top:-20px;margin-right:0px;margin-bottom:-50px;margin-left:-20px;text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:6em;}}<\/style>\n<p class=\"kt-adv-heading1597_4f8e66-d5 quote-style wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1597_4f8e66-d5\">&#8220;<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box1597_a8892f-2f .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box1597_a8892f-2f .kt-blocks-info-box-link-wrap{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:rgba(242, 242, 242, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1597_a8892f-2f .kt-blocks-info-box-link-wrap:hover{background:rgba(242, 242, 242, 0);}.kt-info-box1597_a8892f-2f.wp-block-kadence-infobox{max-width:100%;}.kt-info-box1597_a8892f-2f .kadence-info-box-image-inner-intrisic-container{max-width:250px;}.kt-info-box1597_a8892f-2f .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:100%;width:300px;height:0px;max-width:100%;}.kt-info-box1597_a8892f-2f .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box1597_a8892f-2f .kt-info-svg-icon-flip, .kt-info-box1597_a8892f-2f .kt-blocks-info-box-number{font-size:50px;}.kt-info-box1597_a8892f-2f .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;border-radius:20px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1597_a8892f-2f .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1597_a8892f-2f .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;}.kt-info-box1597_a8892f-2f .kt-infobox-textcontent h2.kt-blocks-info-box-title{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1597_a8892f-2f .kt-infobox-textcontent 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kb-info-mobile-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/11\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300-1.jpg\" alt=\"hilarious receptionist\" width=\"300\" height=\"300\" class=\"kt-info-box-image wp-image-3702\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/11\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300-1.jpg 300w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/11\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300-1-150x150.jpg 150w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/11\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300-1-12x12.jpg 12w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><\/div><\/span><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column1597_184897-1e > .kt-inside-inner-col{display:flex;}.kadence-column1597_184897-1e > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_184897-1e > .kt-inside-inner-col,.kadence-column1597_184897-1e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_184897-1e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_184897-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_184897-1e > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_184897-1e{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_184897-1e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_184897-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_184897-1e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_184897-1e{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_184897-1e > .kt-inside-inner-col{padding-top:0px;padding-right:60px;padding-bottom:0px;padding-left:60px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1597_184897-1e{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_184897-1e{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_184897-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_184897-1e > .kt-inside-inner-col{padding-top:10px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1597_184897-1e{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_184897-1e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_184897-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1597_184897-1e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons1597_c30ff0-e1{justify-content:center;}@media all and (max-width: 1024px){.wp-block-kadence-icon.kt-svg-icons1597_c30ff0-e1{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-icon.kt-svg-icons1597_c30ff0-e1{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons1597_c30ff0-e1 alignnone\"><style>.kt-svg-item-1597_4a5275-8e .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_4a5275-8e .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1597_4a5275-8e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1597_6caa8d-cc .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_6caa8d-cc .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1597_6caa8d-cc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1597_37fb4a-84 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_37fb4a-84 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1597_37fb4a-84\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1597_5e2f93-12 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_5e2f93-12 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1597_5e2f93-12\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1597_4db121-07 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_4db121-07 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1597_4db121-07\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f, .wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f[data-kb-block=\"kb-adv-heading1597_7df339-6f\"]{margin-top:20px;margin-bottom:23.5px;line-height:1em;font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f[data-kb-block=\"kb-adv-heading1597_7df339-6f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f[data-kb-block=\"kb-adv-heading1597_7df339-6f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f, .wp-block-kadence-advancedheading.kt-adv-heading1597_7df339-6f[data-kb-block=\"kb-adv-heading1597_7df339-6f\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading1597_7df339-6f wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1597_7df339-6f\">Get personalized, free, no-obligation life insurance quotes. Enter your information, check eligibility, and speak with an agent if you need guidance. It costs $0 to find coverage that fits your budget. Compare prices and options in minutes and receive term life insurance estimates in as little as 5 minutes.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns1597_4eb29d-7b, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns1597_4eb29d-7b, .wp-block-kadence-advancedbtn.kb-btns1597_4eb29d-7b, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns1597_4eb29d-7b{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns1597_4eb29d-7b{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns1597_4eb29d-7b .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns1597_4eb29d-7b{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns1597_4eb29d-7b\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn1597_fd254d-c8.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn1597_fd254d-c8 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-false wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/get-started-perm\/\"><span class=\"kt-btn-inner-text\">Get Quote<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_52dccc-ab{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id1597_52dccc-ab > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1597_52dccc-ab > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1597_52dccc-ab > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:20px;padding-bottom:100px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1597_52dccc-ab > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_52dccc-ab > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:30px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1597_52dccc-ab > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1597_52dccc-ab alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column1597_213253-da > .kt-inside-inner-col{display:flex;}.kadence-column1597_213253-da > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_213253-da > .kt-inside-inner-col,.kadence-column1597_213253-da > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_213253-da > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_213253-da > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_213253-da{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_213253-da > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_213253-da{position:relative;}.kadence-column1597_213253-da, .kt-inside-inner-col > .kadence-column1597_213253-da:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1597_213253-da > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1597_213253-da{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1597_213253-da, .kt-inside-inner-col > .kadence-column1597_213253-da:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_213253-da > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1597_213253-da{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_213253-da, .kt-inside-inner-col > .kadence-column1597_213253-da:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1597_213253-da\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">What is a &#8220;Key Person Insured Fund&#8221;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>Key Person Insured Fund<\/strong> is a strategic life insurance solution designed to protect businesses against the financial impact of losing a key individual. By insuring the life of a critical employee\u2014such as a founder, top executive, or specialist\u2014the company ensures it receives a financial payout in the event of their death.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This fund provides more than just protection: it can help cover <strong>outstanding loans, operational expenses, and other urgent financial obligations<\/strong>, keeping the business stable while navigating the loss. When structured as a permanent life insurance policy, the fund can even <strong>accumulate cash value<\/strong>, giving the company flexible access to resources when needed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In short, the Key Person Insured Fund safeguards both the people who drive your business and the financial health of the company, offering peace of mind and continuity no matter what challenges arise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does Key Person Insured Fund Work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Key Person Insured Fund is a personal finance strategy that leverages a cash value policy like an IUL policy as a \u201cpersonal bank.\u201d This includes taking loans against the policy and growing cash flow through the insurance\u2019s dividends.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The core of this concept is a cash value life insurance policy. Once a policy is in place, for example, it is possible for a company to access money using the cash value as collateral. That avoids paying higher interest to lending institutions since the company as policyholder has access to its own funds. It allows very fast access, which are just a call away.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically, a indexed universa life insurance policy is used for the  Key Person Insured Fund concept. Participating life insurance means that a policy pays dividends, which allow contribution towards the cash value of the policy or to pay a part of insurance premiums.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A simple visual below highlights the key elements of the  Key Person Insured Fund concept.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"608\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/12\/how-keyperson-fund-works-1024x701-1-1024x608.jpg\" alt=\"\" class=\"wp-image-3897\" style=\"width:766px;height:auto\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/12\/how-keyperson-fund-works-1024x701-1-1024x608.jpg 1024w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/12\/how-keyperson-fund-works-1024x701-1-300x178.jpg 300w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/12\/how-keyperson-fund-works-1024x701-1-768x456.jpg 768w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/12\/how-keyperson-fund-works-1024x701-1-18x12.jpg 18w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/12\/how-keyperson-fund-works-1024x701-1.jpg 1181w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>How to Start A Key Person Life Insurance Policy and Fund<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To begin, a company needs to work with a life insurance broker who can access a variety of cash value life insurance policies and help you choose the best option for the company needs (considering premium rates, coverage, and dividend potential). The broker will create a financial plan focused on the key person policy and fund and guide the company through the process of setting up the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the USA, establishing a key person policy involves selecting a cash-value life insurance policy, funding it with premiums, and structuring it to maximize cash value growth. This strategy enables companies to use the accumulated cash value as a financing tool for various purposes, such as investments, office renovations, or supplemental emergency funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Is There a Minimum Insurance Policy Size for a Key Person Insurance Policy and Fund?<\/strong><\/p>\n\n\n\n<p class=\"has--font-size wp-block-paragraph\">While there&#8217;s no strict minimum policy size, this strategy generally works better for larger accumulated cash values, and the premiums reflect that. Tipically a larger cash surrender value provides better opportunities to obtain favorable loan terms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Building Multi-Generational Wealth with Permanent Life Insurance  Policies<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many affluent individuals leverage the concept of a <strong>Key Person Insurance Policy and Fund<\/strong> to grow multi-generational wealth in their personal lives by substituting corporate ownership with a <strong>trust ownership structure<\/strong>. The structure remain the same but a Trust takes ownership of the policy while the beneficiaries of death and living benefits are typically family members . This strategy can be highly effective when certain key conditions are met.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One essential factor is securing a <strong>permanent life insurance policy<\/strong> at reasonable rates. If premiums are too high\u2014for example, due to health conditions\u2014the strategy may not achieve its full potential.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another critical requirement is having a <strong>stable financial foundation<\/strong> with a consistent income stream, as premiums for a substantial policy can be significant. Maintaining premium payments is essential to keep the policy in force, and many financial advisors recommend allocating up to <strong>10% of your income<\/strong> toward your IUL policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, a solid understanding of financial concepts such as <strong>compound interest, policy loans, and the growth potential of a policies<\/strong> is important, along with the discipline to manage the policy effectively to maximize long-term benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A life insurance policy and fund Pros and Cons<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are a number of pros and cons associated with establishing a fund based on a permanent life insurance policy .<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00fe03\" class=\"has-inline-color\">Pros of a permanent life insurance fund<\/mark><\/strong><\/td><td><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\">Cons of a permanent life insurance fund<\/mark><\/strong><\/td><\/tr><tr><td>Ability to have your \u201cown funds\u201d and access to money without paying interest to the 3<sup>rd<\/sup>&nbsp;party lenders.<\/td><td>Costs of the insurance policy.<\/td><\/tr><tr><td>No need to go through a long lending process if a you need money.<\/td><td>Not a good choice for those looking for short-term results as it takes years to accumulate a meaningful cash value to borrow against.<\/td><\/tr><tr><td>Ability to grow the cash value of a policy even faster with a participating whole life insurance policy that pays benefits.<\/td><td>Not a good choice for people who can not easily get access to an insurance policy (e.g. due to health pre-conditions).<\/td><\/tr><tr><td>Ability to select unstructured payment instead of a predefined payment plan.<\/td><td>You need to have a very solid understanding of the infinite banking concept since there is a chance, because it is along-term strategy, that an advisor who set it up for you will not be there after several years.<\/td><\/tr><tr><td>You continue to accumulate interest on the entire cash value even if you borrowed against it.<\/td><td>The interest on a policy loan must be lower than earnings. Variable loans interest range from 4%-6% with returns intrest ranging from 6%-12%. Each loan affects future earning potential.<\/td><\/tr><tr><td>Ability to benefit from an array of financial benefits e.g. lower interest rates, lack of market volatility, lack of penalty or late payment fees, etc.<\/td><td>Any policy loan in excess of the adjusted cost basis of the life insurance policy will be 100% taxable to the individual.<\/td><\/tr><tr><td>You continue accumulate interest on the entire cash value even if you borrowed against it.<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Is there an advantage to using a Mutual Insurance company vs a Public Insurance Company when setting up a permanent cash value insurance policy and fund?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing a mutual insurance company over a public insurance company for setting up an Infinite Banking concept (IBC) can offer advantages such as a customer-centric approach and potentially better policy terms, like higher dividends and lower premiums. Mutual insurers, owned by policyholders, often prioritize stability and long-term satisfaction. In contrast, public insurers, accountable to shareholders, may prioritize profit motives, potentially resulting in higher costs or less favorable terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1597_feb027-68 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_feb027-68 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_feb027-68 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1597_feb027-68 > .kt-row-layout-overlay{opacity:0.50;}@media all and (max-width: 1024px){.kb-row-layout-id1597_feb027-68 > 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.kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1597_e9f75a-70 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_e9f75a-70 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1597_e9f75a-70 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1597_e9f75a-70 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1597_861c7c-28 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column1597_861c7c-28 > .kt-inside-inner-col,.kadence-column1597_861c7c-28 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1597_861c7c-28 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_861c7c-28 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_861c7c-28 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_861c7c-28 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_861c7c-28{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_861c7c-28 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_861c7c-28 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_861c7c-28\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb, .wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb[data-kb-block=\"kb-adv-heading1597_78524c-fb\"]{margin-bottom:40px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb[data-kb-block=\"kb-adv-heading1597_78524c-fb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb[data-kb-block=\"kb-adv-heading1597_78524c-fb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1597_78524c-fb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_78524c-fb\">Top-rated insurance companies offering Indexed Universal Life (IUL) policies<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26, .wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26[data-kb-block=\"kb-adv-heading1597_fe34f7-26\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26[data-kb-block=\"kb-adv-heading1597_fe34f7-26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26[data-kb-block=\"kb-adv-heading1597_fe34f7-26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1597_fe34f7-26 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_fe34f7-26\">A professional licensed insurance agent&#8217;s role is to assist you in selecting an appropriate provider and customizing a policy to meet your specific needs.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedgallery.kb-gallery-wrap-id-1597_54805a-7c{padding-right:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.wp-block-kadence-advancedgallery.kb-gallery-wrap-id-1597_54805a-7c{overflow:hidden;}.kb-gallery-id-1597_54805a-7c .kadence-blocks-gallery-item .kb-gal-image-radius, .kb-gallery-id-1597_54805a-7c .kb-slide-item .kb-gal-image-radius img{border-radius:0px 0px 0px 0px;;}.kb-gallery-wrap-id-1597_54805a-7c.wp-block-kadence-advancedgallery{overflow:visible;}.kb-gallery-wrap-id-1597_54805a-7c.wp-block-kadence-advancedgallery .kt-blocks-carousel{overflow:visible;}<\/style><div class=\"kb-gallery-wrap-id-1597_54805a-7c alignnone wp-block-kadence-advancedgallery\"><div class=\"kb-gallery-ul kb-gallery-non-static kb-gallery-type-carousel kb-gallery-id-1597_54805a-7c kb-gallery-caption-style-bottom-hover kb-gallery-filter-none\" data-image-filter=\"none\" data-lightbox-caption=\"true\"><div class=\"kt-blocks-carousel splide kt-carousel-container-dotstyle-dark kt-carousel-arrowstyle-none kt-carousel-dotstyle-dark kb-slider-group-arrow kb-slider-arrow-position-center\" data-columns-xxl=\"5\" data-columns-xl=\"5\" data-columns-md=\"3\" data-columns-sm=\"3\" data-columns-xs=\"2\" data-columns-ss=\"2\" data-slider-anim-speed=\"500\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"1\" data-slider-speed=\"5000\" data-slider-gap=\"20px\" data-slider-gap-tablet=\"20px\" data-slider-gap-mobile=\"20px\" data-show-pause-button=\"false\" data-slider-label=\"Photo Gallery Carousel\"><div class=\"splide__track\"><ul class=\"kt-blocks-carousel-init kb-gallery-carousel splide__list\"><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21.png\" data-light-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21.png\" data-id=\"1394\" class=\"wp-image-1394 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" data-light-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" data-id=\"1396\" class=\"wp-image-1396 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" data-light-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" data-id=\"1399\" class=\"wp-image-1399 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" data-light-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" data-id=\"1401\" class=\"wp-image-1401 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" data-light-image=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" data-id=\"1403\" class=\"wp-image-1403 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Life Insurance Family Loans One of the major advantages of a permanent life insurance policy is the ability to access the cash value without incurring taxes. This benefit also allows you to utilize up to 100% of the cash value of your policy. How Does Family Loan Impact Your Policy? A major advantage of owning&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1597","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Permanent Life Insurance Family Loans<\/title>\n<meta name=\"description\" content=\"One of the major advantages of a permanent life insurance policy is the ability to access the cash value without incurring taxes. 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