---
title: How to Borrow Money Using Your Permanent Life Insurance Policy
description: Discover how to leverage your permanent life insurance policy's cash value for financial needs, and why collaborating with a financial advisor is essential.
---

[Inclined Blog ](https://www.inclined.com/blog)

# [How to Borrow Money Using Your Permanent Life Insurance Policy](https://www.inclined.com/blog/how-to-borrow-money-using-your-permanent-life-insurance-policy)

 Written by [Alaina Paradise](https://www.inclined.com/blog/author/alaina-paradise) | Apr 14, 2026 4:58:21 PM

For many people, life insurance is something purchased and filed away, often thought of as an important long-term safety net for loved ones. But if you own a permanent life insurance policy that accumulates cash value, such as whole life or universal life, you may also have access to something extremely practical: the ability to access (or borrow against) the policy’s cash value.

This can be an efficient and flexible way to meet financial needs, especially during major life transitions like [periods of unemployment,](https://www.inclined.com/blog/whole-life-your-financial-safety-net-in-unemployment) unexpected expenses, or short-term cash flow challenges. The key is understanding how the process works and how to do it responsibly, ideally in collaboration with your financial advisor.

[View full post](https://www.inclined.com/blog/how-to-borrow-money-using-your-permanent-life-insurance-policy)

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