Loans
Loan Against Insurance
Unlock value from policies you already hold.
Borrow against the surrender value your eligible life insurance policies have built up — without giving up your cover.
Up to 85%
Approx. LTV
9% - 12%
Approx. Rate p.a.
₹50K
Min. Amount
Indicative Rates Disclaimer
The Loan-to-Value (LTV) ratios and interest rates displayed on this website are indicative only and are subject to change without notice. All rates and LTV figures are provided for general informational purposes and do not constitute a formal offer, commitment, or guarantee of any financial product or service.
In focus
Loan Against Insurance
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Loan Against Insurance EMI
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Monthly EMI
₹9,561
Indicative. Eligible amount depends on your policy type and terms.
Overview
What is Loan Against Insurance?
A loan against insurance lets you borrow against the surrender value that eligible traditional or endowment life policies accumulate over time. The policy stays in force and your cover continues; it is simply assigned to the lender as security until the loan is repaid. Because it is secured against a defined value, it is quicker to arrange and priced lower than an unsecured loan.
Why consider it
- Your policy stays active and your cover continues
- Secured against the policy's surrender value
- Quicker approval with minimal paperwork
- Repay flexibly and release the assignment on closure
Process
How it works
A concise, largely digital journey from enquiry to disbursal.
Share your requirement
Tell us what you need and the asset you'd like to borrow against.
Submit documents
Provide a short set of documents — largely digital, no branch visit.
Assessment & approval
We assess your profile and the collateral, and confirm your terms.
Funds disbursed
On acceptance, the amount is transferred to your registered bank account.
Why AltWealth
Liquidity without disruption
Your investments stay invested
Borrow against your holdings without selling — your NAV and long-term returns keep compounding.
Quick, digital disbursal
A concise online application with approvals typically in 24–48 hours. No branch visits.
No credit-score hurdle
The facility is secured against your securities, so a CIBIL score isn't the gate.
Regulated lenders
Facilities are arranged with RBI-regulated lenders, with a digital lien on your holdings.
FAQs
Frequently Asked Questions
Which policies are eligible?
Traditional and endowment life policies that have built up a surrender value are typically eligible; pure-term policies, which carry no surrender value, are not.
Does my insurance cover continue?
Yes. The policy remains in force and your cover continues while the loan is outstanding — it is only assigned to the lender as security.
How much can I borrow?
The amount is a percentage of the policy's current surrender value, so it grows as your policy matures. Final limits are confirmed after review.
How is the loan repaid?
You can service interest and repay the principal flexibly. On full repayment, the assignment on your policy is released back to you.