Valley Cash Value Line of Credit


Business opportunities? Home renovations? Vacation plans? The cash value in your whole life insurance policy can help you access the money you need.

  • Lines ranging from $65,000 to $5,000,000

  • Easy access to funds via personal checks or online transfers

  • No application fee, closing costs or pre-payment penalty. *Florida applicants may be subject to a document stamp tax.

  • Competitive, variable interest rate

  • Interest may be tax deductible (consult with your tax adviser)

  • Multiple policies can be used as collateral for one line of credit


Ready to get started? Contact one of our Whole Life Policy Experts below to begin


As of 6/15/2022, the variable Annual Percentage Rate (APR) is 4.75% and will vary with the Wall Street Journal Prime Rate, but will not exceed 15.90%. Minimum loan amount is $65,000. Subject to credit approval. Additional terms and conditions apply.



Our Approved Whole Life Carriers:


   Guardian Life


   John Hancock


   Mass Mutual




   New York Life


   Northwestern Mutual


  Ohio National Life  


   Penn Mutual Life 



Ready to get started?

Contact a trusted Expert near you today

Martha Soper

Tampa, FL

Martha Soper

FVP, Team Sales Leader
(813) 997-6068


Keith Papa

Lincolnshire, IL

Keith Papa

Business Development Officer
(312) 502-4347


Patrick Moriarty

Wayne, NJ

Patrick Moriarty

Business Development Officer
(973) 305-8800 Ext.

Martha Soper

Wayne, NJ

Cavin Ramrup

VP, Business Development Officer
(862) 228-7038