Cash value loan from your insurance provider
If you have a whole life policy with a substantial cash value you can use it as collateral to get a loan from your insurance provider and use the proceeds to pay off your debts.
The interest rate on these loans is generally lower than most other types of loans and there is no credit check involved. If you fail to repay the loan for any reason, the outstanding amount will be deducted from the death benefit of your insurance policy.
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