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Hi there,
Most people think of life insurance as something their family uses later. But some permanent policies can also provide access to cash while you’re alive.
A policy loan can be useful if you need quick funds, want flexibility, or want to avoid a traditional loan process. But it can also reduce your death benefit, accumulate interest, and create tax issues if the policy lapses.
In this week’s article, we break down the pros and cons of borrowing from your life insurance policy, when it may make sense, and what to review before making a decision.
Want to know if your policy has usable value? Let's chat.
(No pressure, just smart advice.)
Talk soon,
David |
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Policy loans: smart move or risky shortcut? |
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Make sure your family’s covered (and you’re not overpaying) |
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When’s the last time anyone reviewed your life insurance?
Most policies are bought and forgotten — which means many families are paying for coverage that no longer fits their needs.
My Life Insurance Policy Checkup is a free, 15-minute review to confirm your coverage is still doing its job: protecting your family and minimizing costs.
What we’ll check:
- Are you paying more than you should?
- Are there new options that build cash value faster?
- Has your family, income, or debt changed since you bought the policy?
No sales pitch — just clarity and recommendations you can act on right away.
I reserve a small number of review calls each week to keep them personal and meaningful — once they’re full, they roll into the next week.
[Book Your Free Policy Checkup] — a few openings remain this week.
P.S.
The only mistake bigger than overpaying for life insurance is assuming you’re properly covered when you’re not. Let’s verify it together — it’s free peace of mind. |
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Check out our featured video: |
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Whole life insurance is protection and long-term planning in one.
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Important upcoming dates: |
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Upcoming Bank of Canada Interest Rate Announcements:
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July 15, 2026
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September 2, 2026
Canada Child Benefit (CCB) Payments:
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July 20, 2026
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August 20, 2026
Want to learn more? Lets talk |
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WealthTrack, 3-304 Stone Road West Suite 150, Guelph, ON N1G4W4, Canada |
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