We help you to retain your client & for same, you get rewarded. Refer to referral payout table details mentioned above.

• A. You need to register with us as a Channel partner by filling the above details.
• B. You need to share client policy details post registration along with his KYC & surrender Quote.
• C. Our Representative will call the client & get same processed with our banker relationship partner.
• D. Our representative will stay in touch with you in case of any help & keep you posted on status.
• E. Once loan is disbursed, we will share the payout accordingly.

We are currently working with Axis Bank, which is rated as one of the Best Banks in India. We intend to on-board 2 more banks & 2 NBFCs in the near future.

The answer to this is simply No. To take a loan on your policy you do not need to go anywhere, the procedure would be hassle free provided at your door step and/or digitally via our platform.

In Overdraft account you can withdraw funds only to the extent required and not the entire loan amount. Interest is charged only on the amount utilised. Under Term Loan, however a fixed amount of money is paid out and interest is charged on the entire amount. Policy Loan is issued as an overdraft Loan.

Loan can be funded on Life Insurance product which has Surrender value & Lumpsum amount is been paid to Policy Holder after fixed term.

For ex: - Endowment Policy, ULIP Policy. loan can’t be funded on Term plan or any of the general insurance policy.

Get your self registered with us & we will contact you for Connector agreement signing. Post that you can share leads with us. For details you can contact us at the given contact mention in the page.

Taking a loan against the policy has many advantages. Some of them are that interest rate is lower than personal loans due to the secured nature of the loan. The Loan amount is issued as an overdraft facility, which means you only pay interest on the amount you use and not the entire loan amount. More importantly, you don’t have to surrender your policy in order to satisfy your immediate monetary needs.

There are 5 steps involved

• Step 1 : Loan Eligiblity Assessment.
• Step 2 : Document Collection.
• Step 3 : Loan Sanction.
• Step 4 : Assignment Application with Insurance Company.
• Step 5 : Loan Disbursment.

ValuEnable acts as facilitator between life insurance customers who are interested to avail loan against their life insurance policies and with financial institutions who are willing to lend. We provide platform to chose best loan offers from multiple lenders and facilitate hassle free and swift processing of loans to avail funds faster

One can normally avail a loan in the range of 50% to 80% of the policy's surrender/cash value

Incase if you are unable to make the required loan repayments (either in terest or principal) within the stipulated period, the lender would surrender the policy and adjust the surrender value against the outstanding loan amount and balance, if any, would be given out to you.

Incase of any uncertain event that takes place post you have availed the loan, the lender would get the death benefit to the extent of loan outstanding and the balance amount, if any would be given to your nominee.

We are currently working with Axis Bank, which is rated as one of the Best Banks in India. We intend to on-board 2 more banks & 2 NBFCs in the near future.

The answer to this is simply No. To take a loan on your policy you do not need to go anywhere, the procedure would be hassle free provided at your door step and/or digitally via our platform

The documents required in this process are KYC documents & Original Policy bond.

The loan against insurance policy is mostly paid out as overdraft in your account . You can withdraw the funds from the account anytime. An account would be opened with the overdraft facility in the same bank and the policy would be assigned to the bank.

In Overdraft account you can withdraw funds only to the extent required and not the entire loan amount. Interest is charged only on the amount utilised. Under Term Loan, however a fixed amout of money is paid out and interest is charged on the entire amount. Policy Loan is issued as a overdraft Loan.

Under an interest-only loan, you only pay the interest during the period of the loan and the principal is paid in one shot at loan closure. Under a EMI loan, one part of instalment goes towards interest payment and another part goes towards principal re-payment, effectively leading to a higher outgo during the tenure of the loan. Policy Loan are typically issued as an interest only loan.