Loan Against Insurance Policy
4 min
3 Jul 2026
Need Money? Don't Surrender Your ULIP Yet
Advantages of keeping a ULIP policy and taking a loan vs. Surrendering it for short term financial needs
by Sugandha Anwekar
4 min
23 Jul 2025
Can I Withdraw Money From My LIC Policy Early?
The answer depends on your LIC policy type, how long you've paid premiums, and the terms associated with withdrawal, surrender, or loan.
by Sahana Bhat
4 min
21 Jul 2025
What Happens If I Die After Taking a Loan on My Life Insurance Policy?
Discover what happens to your life insurance payout if you die with an active loan. Understand how your nominee is affected and what gets deducted.
by Anwesha Roy
5 min
21 Jul 2025
Do I Need to Pay Both the Premium and Loan Repayments After Taking a Loan on my Life Insurance Policy?
Do I need to pay both premiums and loan EMIs after taking a loan against your life insurance policy? Not with Policy Holiday and Cover Continuation options!
by Anwesha Roy
5 min
3 Apr 2025
Gold Loan vs. Loan Against Life Insurance
Should I pledge my gold or my life insurance policy? Compare interest rates, loan value, risks, and benefits of policy loans and gold loans.
by Anwesha Roy
7 min
24 Mar 2025
Loans Against Mutual Funds vs. Loans Against Life Insurance
With growing financial awareness, individuals actively seek ways to build wealth and secure their future. Investing in mutual funds and life insurance policies are two popular assets used in this regard. However, when financial needs arise, these assets should also be considered vs. personal or unsecured loan options. Individuals can leverage existing investments to secure a loan at lower interest rates. Sometimes liquidating assets also makes sense, whilst at other times the penalties are high
by Sahana Bhat
4 min
19 Mar 2025
Loan Against Property vs. Loan Against Life Insurance
Compare loans against property and loans against life insurance based on loan amounts, interest rates, risks, and repayment options.
by Anwesha Roy
4 min
18 Mar 2025
Pension Fund Withdrawal vs. Loan Against Life Insurance
Compare pension fund withdrawal and a policy loan against life insurance policies. Understand the pros and cons of each option.
by Anwesha Roy
5 min
18 Mar 2025
Secured Cards and Loan Against Fixed Deposits vs Policy Loan
Secured credit card, loan against fixed deposit or a policy loan against life insurance, which is best for me?
by Sahana Bhat
5 min
27 Feb 2025
Business Loans vs. Secured Loans
Understand the differences between business loans or GST loans and loans against life insurance to choose the best loan - interest rates, eligibility, etc.
by Anwesha Roy
4 min
19 Feb 2025
Loan Refinancing using Your Financial Assets
Discover how loan refinancing with a loan against life insurance policy can lower interest rates, reduce monthly payments, and save your money.
by Mera Kal Staff
4 min
18 Feb 2025
A Guide to Loans Against LIC: Often Smarter than Surrendering
Explore how policy loans against life insurance policies can offer low-interest loans with no CIBIL score checks or income proof.
by Anwesha Roy
5 min
17 Feb 2025
Can You Take a Loan Against ULIPs? Understanding Key Considerations
Learn about loan against ULIP policy and unlock liquidity without surrendering your unit linked insurance plan - eligibility, benefits, and key considerations.
by Mera Kal Staff
5 min
30 Jan 2025
Widening credit access using Secured Loans against Life Insurance Policies
If you’re looking for a zero credit score loan, loan secured by life insurance policy is the easiest choice. Choose Mera Kal for loans against insurance policy.
by Anwesha Roy
6 min
30 Jan 2025
New IRDAI Guidelines for Surrender Value (2025)
Looking for availing loan against insurance, but unaware of the IRDAI guidelines for surrender of policy, this blog is for you. Here are IRDAI new guidelines.
by Sahana Bhat
5 min
30 Jan 2025
How to Calculate the Surrender Value of Your Insurance Policy for Loan Eligibility
Learn how to calculate surrender value of life insurance policy and understand its impact on business loan eligibility to make informed financial decisions.
by Sahana Bhat
5 min
5 Dec 2024
Top 5 Insurance Policies Eligible for Loan Against Insurance
Loan against life insurance policy comes handy whenever we are looking easy and flexible loans. Here are the top insurance policies for loan against insurance.
by Sahana Bhat
5 min
5 Dec 2024
LIC Policy Surrender vs Loan – Which Is Better?
Let’s explore why loans against life insurance is a better idea than surrendering policies. Don’t surrender; take a loan against insurance policy instead.
by Sahana Bhat
5 min
5 Dec 2024
Loan Against Insurance vs. Personal Loan: Which is Better?
If you are confused between loan against a policy and personal loan, this post is for you. Compare insurance loan vs personal loan, and choose the better one.
by Mera Kal Staff
5 min
5 Dec 2024
Common Myths About Loans Against Insurance
There are several common myths about loans against insurance and these could be acting as barriers. Mera Kal is debunking loans against insurance myths.
by Mera Kal Staff