Step 1: Fill out our online inquiry form

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Step 2: Confirm life Insurance policy details

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Step 3: If your policy qualifies, our pre-approval letter will explain the maximum amount you can borrow.

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Step 4: Complete the Loan Agreement and Collateral Assignment paperwork.

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Step 5: Once the insurance carrier recognizes the Collateral Assignment, VivantPay will send payment directly to your care provider.

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After that, all you need to do is pay your regular life insurance premiums.  If you decide you no longer need the life insurance policy, or fail to pay, we'll take over.  You will never have to make a payment to VivantPay directly for the loan we provide.