What is the interest rate on loans against the policy?

Jayson LoweAscendant Financial

What interest rate do you pay on a whole life insurance policy loan?

19 May 2026 · 0 min

Watch on YouTube

0:22

In this brief YouTube segment, Jayson Lowe answers a viewer’s question about the interest rate charged on loans taken against a whole life insurance policy. He explains that the rate varies by insurance carrier, typically ranging from about 5% to 7% simple interest. He encourages viewers to visit watchibc.com for more detailed information.

Questions this video answers

It depends on the insurance carrier; simple interest rates can be as low as 5% and as high as 7%, generally falling somewhere in between.

What is the interest rate on loans against the policy? Also a really good question. Thank you for asking that. It depends on what insurance carrier you're dealing with. So the simple interest rate can be as low as 5%, and I've seen it recently as high as 7%. So somewhere in between those two numbers, dependent upon what carrier you're dealing with. Want to learn more? Just visit watchibc.com. That's watchibc.com.