How Do Bitcoin Life Insurance Policy Loans Work?

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One of the best "living benefits" of a Whole Life insurance policy is that you build up "cash value" inside the policy. Think of this similar to a Savings Account that is inside of your policy.

And, you can access it when you need, for things like emergencies, business expenses, vacations, or even to fund your retirement.

You are actually borrowing against your Bitcoin and using the Cash Value and Death Benefit as collateral for the low interest loans. If you don't pay the policy loan back, the amount will be deducted from the Death Benefit before the carrier pays out the claim.

You can typically borrow up to 90% of the "Cash Value" inside the policy.

We usually recommend allowing the value inside the contract to build up for several years before tapping into the Bitcoin Cash Value, but it is ultimately up to you.

You cannot be turned down for a loan. It is your money.

Yes. The typical interest rate is around 3% in 2025.

There is no fixed repayment schedule. No Margin call risk either.

Anything that you don't pay back is simply deducted from the death benefits at the time of claim.

No.