Aphelion Finance

LAIP

Loan Against Insurance Policy

Starting Rate: 18% PA

Leverage your life insurance policy without losing coverage. Avail loan up to 90% of surrender value with competitive rates with an additional unsecured loan (terms & conditions apply).

90%
Of Surrender Value
No Hidden Costs
10 Years
Max Tenure

Why Choose Our LAIP?

Access funds while keeping your insurance policy active and benefits intact

Loan up to 90% of surrender value
Minimal Credit Check
Multiple Insurance Providers Acceptable
Flexible repayment terms up to 10 years
Minimal documentation required
Quick approval process

Policy Protection

Your insurance policy remains active and all benefits continue while you access funds.

  • Policy stays active
  • All benefits intact
  • No policy surrender

Quick Processing

Get your loan approved and disbursed within 48 hours with minimal documentation.

  • Fast approval
  • Minimal paperwork
  • Quick disbursal

Competitive Rates

Enjoy attractive interest rates with flexible repayment options and no hidden charges.

  • Low interest rates
  • Flexible tenure

The criteria and required documents may vary depending on credit profile, loan amount and tenure. Please contact us for personalised rates, eligibility and documentation.

Eligibility Criteria

Age: 18 to 65 years
Valid life insurance policy
Policy should have surrender value
Policy must be at least 3 years old
Valid identity and address proof
Policy should be in force
Premium payments up to date
Indian resident only

Required Documents

Original insurance policy document
Identity Proof (Aadhar/PAN/Passport)
Address Proof (Utility bills/Rent agreement)
Policy premium payment receipts
Surrender value certificate
Passport size photographs
Bank account details
Cancelled cheque

What Can You Use This Loan For?

Our LAIP can be used for various financial needs while keeping your insurance benefits intact

M

Medical Emergencies

E

Education Expenses

B

Business Expansion

H

Home Renovation

W

Wedding Expenses

D

Debt Consolidation

T

Travel Expenses

Ready to Get Your LAIP?

Unlock the value of your insurance policy while keeping all benefits active

Contact: 9321193211 | customercare@aphelionfinance.com