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Cash Value Life Insurance Line of Credit

The Cash Value Life Insurance Line of Credit (CVLI LOC for short) is a great resource for personal and business opportunities.* Home renovations? Business opportunities? The cash value in your whole life insurance policy can be used as collateral offering attractive benefits.

A smart way to borrow. 

The value of your life insurance policy can open the door to financing you need to cover personal or business expenses, or to take on a large project.

Features Include: 

  • Quick and easy application process
  • No pre-payment penalty
  • Terms from 36-84 months (renewable)
  • Interest-only payments made monthly based on outstanding balance
  • Credit line up to 95% of the current, collective cash value
  • No origination fee1


We're here to help every step of the way.

* Financial products made available or recommended by Ameris Bank that are not bank deposits are not insured by FDIC; are not a deposit or other obligation of, or guaranteed by Ameris Bank; and are Subject to investments risks, including possible loss of principal amount of invested. For questions about consumer banking needs, please consult your banker for more details.

Loans executed in Florida may be subject to Documentary Stamp Tax.