Quick Summary: Loan Against Insurance Policy

You can borrow against traditional life insurance policies like LIC up to 85% of their Cash Surrender Value (CSV). These loans are cheaper than personal loans (9-10% interest) and don't require CIBIL checks, while keeping your life cover intact.

How to use the Loan Against Insurance Policy

  1. Enter Surrender Value

    Input the current Cash Surrender Value from your policy statement.

  2. Check Max Loan

    The tool computes the loan limit (usually 90% of CSV).

  3. Compare Interest

    Review how the lower interest rate saves you money compared to a personal loan.

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Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.