Cove articles

Plain-English guides on using your permanent life insurance policy. Whole life, universal life, IUL, VUL — all four types covered.

HELOC denied? Five alternatives, ranked by cost

Denied for DTI, credit, or appraisal? Here are five other secured-borrowing options — including one most policy owners don't know they have.

Both run 5-10% APR. Choosing between them depends on speed, collateral preference, rate volatility, and underwriting friction.

The full process for whole life, UL, IUL, and VUL. What to ask, what to confirm, what to watch for.

Strip away the marketing. What infinite banking actually is, what it costs, and when it makes sense.

The dividend mechanic that turns a "5%" loan into a 7% one — in plain English, carrier by carrier.

Four inputs. Your borrowing power, your effective rate after Direct Recognition, and what you trade away.

What Northwestern Mutual, MassMutual, Penn Mutual, Guardian, and others charge in 2026 — and how to read the difference.

It's not a secret. It's a commission structure. Here's how the math works for the agent.

Most policy loan content glosses over the two real risks. Here's the practical guide.

Math on what it looks like to use a policy with $20K of cash value to handle a $15K personal expense.

If you own whole life, UL, IUL, or VUL, you can borrow against the cash value. Plain English on how it works.

Tell us your policy type and approximate cash value. See your borrowing power, estimated rate, and impact in about three minutes.