VNB® Cash Value Line Of Credit


More Info & Help

The perfect fit to access the cash value of your whole life Insurance Policy

The VNB® Cash Value Line of Credit is the simple way to access the value of your whole life insurance policy to help manage your cash liquidity needs.

  • No pre-payment penalty, application fee or closing costs
  • Funds are available to be used for personal or business needs
  • Interest may be tax deductible (consult with your tax advisor)
  • Online access to account activity with VBankWorks®, Valley's online banking system
  • Multiple policies can be used as collateral for one line of credit
  • Customers maintain the full dividend schedule of the policy and the benefits remain intact
  • Simple application process with quick turnaround time on decisions
  • Local 24/7 Customer Service Center

To get started, download the application and send it back via fax at 973-694-2943, call 800-522-4100 or visit any one of our conveniently located branches.

Begin an Application

As of 10/31/13, the variable Annual Percentage Rate (APR) is 4.00% and will vary with the Wall Street Journal Prime Rate, but will not exceed 15.90%. Minimum loan amount is $75,000. Subject to credit approval. Additional terms and conditions apply.