Urgent expenses have a way of arriving at the worst possible time. A medical emergency, a sudden home repair, a business cash flow gap — these are not things you can plan for. And when they hit, the pressure to find money quickly is real.

For most people, the immediate options are a personal loan, borrowing from family, or liquidating savings. But there is a fourth option that is often overlooked — and it might be the most practical one for someone who holds a life insurance policy.

A loan on insurance policy lets you access funds quickly by using your existing life insurance as collateral. No need to surrender the policy. No loss of coverage. And in most cases, funds reach your account within 24 hours.