Your Life Insurance Should Be an Asset, Not a Burden

The Data That Led VivantPay

31.35 Million

The number of Americans over the age of 65 with a permanent - Whole or Universal - life insurance policy.

88%

The percent of people that lapse or surrender their permanent life insurance policy without seeing an economic benefit. In fact, greater than 75% of people that purchase a policy at or after the age of 65 still end up losing their policy due to an inability to maintain premium payments.

>$115 Billion

The amount of money surrendered back to insurance carriers each year by Americans aged 65 and older. VivantPay is here to help seniors in America capture their share of this $115 billion and take advantage of their hard earned money.

The Patient Journey

How VivantPay Compares

VivantPay

No out-of-pocket costs
No impact to your budget
No periodic payments
No credit check
No down payment
Entirely paid for out of your life insurance policy
10-12% simple interest added per year, which is paid by your policy benefit
Loans ready in 1-2 weeks

Health Care Credit Cards

Periodic payments
Impacts your budget
May require a down payment
14-33% compound interest
Promotional 0% interest periods, but then deferred interest is added if the expenses is not entirely paid off during the promotional period
Requires a credit check
Money instantly available

Credit Cards

Periodic payments
Impacts your budget
Current average interest rate in the US is about 23%
Credit check/impact
Available depending on your credit limit

Cash

Impacts your budget
Requires payment(s)