{"id":235639,"date":"2025-09-18T15:00:36","date_gmt":"2025-09-18T15:00:36","guid":{"rendered":"https:\/\/evertise.net\/?p=125745"},"modified":"2025-09-18T15:00:36","modified_gmt":"2025-09-18T15:00:36","slug":"onemain-financial-is-life-insurance-eligible-collateral-for-a-loan","status":"publish","type":"post","link":"https:\/\/ipsnews.net\/business\/2025\/09\/18\/onemain-financial-is-life-insurance-eligible-collateral-for-a-loan\/","title":{"rendered":"OneMain Financial: Is Life Insurance Eligible Collateral for a Loan?"},"content":{"rendered":"<p><span id = wx_e_125745><\/span><\/p>\n<p><span data-contrast=\"auto\">Life insurance protects a policyholder\u2019s loved ones when they pass away. But life insurance may also come in handy during the policyholder\u2019s lifetime if they want to apply for a <\/span><a href=\"https:\/\/www.onemainfinancial.com\/personal-loans\"  rel=\"noopener\"><span data-contrast=\"none\">personal loan<\/span><\/a><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Some lenders will allow a life insurance policy that\u2019s up to date on premium payments to secure a loan through a process called collateral assignment. If the borrower fails to make their loan payments, the lender will have the right to take money from the policy \u2014 the collateral \u2014 to recoup their losses.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p aria-level=\"2\"><strong>What is the Cash Value of a Life Insurance Policy?\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">The cash value of a life insurance policy refers to the amount of money a policyholder would receive if they terminated the policy. Each time they pay for cash-value life insurance, like whole life or universal life insurance, part of their premiums go toward increasing the cash value.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Over time, the cash value grows at the interest rate outlined in the terms of the policy.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p aria-level=\"2\"><strong>Reasons to Use Life Insurance for a Loan\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">There are several reasons a borrower may want to use life insurance as collateral for a loan, including:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">To lock in a more affordable rate.<\/span><\/b><span data-contrast=\"auto\"> Loans secured with collateral often have lower interest rates and better repayment terms than unsecured loans.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">To protect other belongings. <\/span><\/b><span data-contrast=\"auto\">Many borrowers assume that the only way to get a secured loan is to risk assets like a house or car. A life insurance policy is another option that they might prefer.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">To increase chances of approval. <\/span><\/b><span data-contrast=\"auto\">Borrowers who don\u2019t have the best credit may be more likely to get approved for a loan secured by the value of an eligible life insurance policy than an unsecured loan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p aria-level=\"2\"><strong>Risks of Collateral Assignment\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">While there are several benefits of taking out a secured loan backed by a life insurance policy, the borrower must be aware of the potential downsides. First and foremost, if the borrower fails to repay the loan or dies before repaying the loan, it will reduce the amount paid to their survivors. Also, some insurance companies might not allow policyholders to use their existing policy as collateral, so the borrower might need to purchase a new policy to use instead.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p aria-level=\"2\"><strong>Alternatives to Collateral Assignment\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Those who don\u2019t want to use a life insurance policy as collateral for a loan may explore alternative options, including:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Life insurance loan:<\/span><\/b><span data-contrast=\"auto\"> People with cash-value life insurance may borrow money directly from their insurance company using the cash value as collateral. In most cases, however, this is only an option once the cash value has met a certain threshold.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Unsecured personal loan: <\/span><\/b><span data-contrast=\"auto\">An unsecured loan doesn\u2019t involve collateral like a life insurance policy. An applicant with a qualifying credit score may get approved for an unsecured loan without risking an asset.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Home equity loan or home equity line of credit (HELOC):<\/span><\/b><span data-contrast=\"auto\"> These products tap into a borrower\u2019s home equity, which is the difference between the value of their home and what they owe on their mortgage. While a home equity loan offers a lump sum of money upfront, a HELOC is a revolving line of credit.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Policy cash-out: <\/span><\/b><span data-contrast=\"auto\">Depending on the type of policy, a policyholder may be able to cash out their life insurance as long as they\u2019ve paid their premiums. Of course, this means they will no longer have a policy and will need to purchase a new one.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p aria-level=\"2\"><strong>Bottom Line\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Some lenders will accept an eligible life insurance policy as collateral for a personal loan. But before opting for this route, it\u2019s important to consider the pros and cons. It\u2019s also a good idea to consider alternative borrowing options that might make more sense for their individual situation.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><i><span data-contrast=\"none\">Sponsored Content<\/span><\/i><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p aria-level=\"2\"><span data-contrast=\"none\">About OneMain Financial<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.onemainfinancial.com\/\"  rel=\"noopener\"><span data-contrast=\"none\">View Website<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-teams=\"true\"><strong><u>Media Contact Information<\/u><\/strong><br \/>\nName: Sonakshi Murze<br \/>\nEmail: <a id=\"menur8t\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/goemailtracker.com:3\/redirect\/1757682122280kogkby9sfx4c0pn6xkxe5o783?href=mailto%3asonakshi.murze%40iquanti.com\" href=\"https:\/\/goemailtracker.com:3\/redirect\/1757682122280kogkbY9SFx4c0pn6xKXe5o783?href=https:\/\/evertise.net\/onemain-financial-is-life-insurance-eligible-collateral-for-a-loan\/mailto%3ASonakshi.murze%40iquanti.com%22  rel=\"noreferrer noopener\" aria-label=\"Link Sonakshi.murze@iquanti.com\">Sonakshi.murze@iquanti.com<\/a><br \/>\nJob Title: Manager<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span><\/span>Life insurance protects a policyholder\u2019s loved ones when they pass away. But life insurance may also come in handy during the policyholder\u2019s lifetime if they <a href=\"https:\/\/ipsnews.net\/business\/2025\/09\/18\/onemain-financial-is-life-insurance-eligible-collateral-for-a-loan\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":271,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[390,385,391,57,717,20,727,387,388],"tags":[],"class_list":["post-235639","post","type-post","status-publish","format-standard","hentry","category-dj","category-gomedia","category-internal","category-ips","category-maple-media","category-press-release","category-preview","category-si","category-vm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OneMain Financial: Is Life Insurance Eligible Collateral for a Loan? - Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ipsnews.net\/business\/2025\/09\/18\/onemain-financial-is-life-insurance-eligible-collateral-for-a-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OneMain Financial: Is Life Insurance Eligible Collateral for a Loan? - Business\" \/>\n<meta property=\"og:description\" content=\"Life insurance protects a policyholder\u2019s loved ones when they pass away. 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