{"id":511281,"date":"2023-05-11T15:01:48","date_gmt":"2023-05-11T15:01:48","guid":{"rendered":"https:\/\/fidelitylife.com\/?p=511281"},"modified":"2023-05-11T15:01:48","modified_gmt":"2023-05-11T15:01:48","slug":"borrowing-against-life-insurance","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281","title":{"rendered":"Borrowing against life insurance"},"content":{"rendered":"<p>A life insurance policy could help you protect your family\u2019s finances after you pass away. But did you know some policies could also provide additional support if you need extra money during your life? If you have a costly medical emergency, your child is going to college, or you want to start a new business, borrowing against your life insurance policy could help you secure the funds you need.<\/p>\n<p>However, a life insurance loan could have major consequences for your coverage. This article will provide more information about borrowing against life insurance, but it\u2019s always important to speak with your insurer or a financial professional before taking out a loan.<\/p>\n<h2>How do you borrow from life insurance?<\/h2>\n<p>Borrowers don\u2019t have to undergo an approval process for life insurance loans like they would for personal loans from the bank. But if you want to borrow against your life insurance policy, you may have to submit a form to your insurer.<\/p>\n<p>You can typically borrow against your life insurance if you have a permanent policy with a <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/permanent-life-insurance-101\/cash-value-life-insurance\/\">cash value component<\/a>, like whole life. When you take out a life insurance loan, a portion of your policy\u2019s cash value acts as collateral. Therefore, you can only take out a loan against your life insurance policy once your cash value has reached a certain threshold. If you pass away before repaying the loan, your policy\u2019s death benefit could decrease by the amount you still owe.<\/p>\n<h2>Pros and cons of borrowing against a life insurance policy<\/h2>\n<p>While borrowing against your life insurance policy could help you in challenging financial situations, it\u2019s not always the right option. Understanding the advantages and drawbacks could help you make the best decision for your unique circumstances.<\/p>\n<h3>Pros<\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No credit check or other qualifiers.<\/b> Most loans require an intensive application process, with a credit check that could impact your credit score. You don\u2019t need to undergo a credit check or a time-consuming application when you borrow against your life insurance policy.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low interest rates.<\/b> Life insurance loans usually have a lower interest rate than credit cards or unsecured personal loans. With your cash value as collateral, life insurance loans present a lower risk for your insurer than many personal loans do for banks.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible repayment.<\/b> You can repay your life insurance loan whenever you want to; you set the pace.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not usually taxed.<\/b> The IRS usually doesn\u2019t consider life insurance loans a type of income, so they\u2019re generally not taxable. However, this has some exceptions. A financial professional can help you understand your life insurance loan\u2019s tax implications.<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited by cash value<\/b>. You can borrow only up to a certain percentage of the cash value that your life insurance policy has accrued. Different life insurance policies accumulate cash value at different rates, but you may not have enough cash value to take out a loan for a decade or more after the policy begins.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possible reduction of your death benefit<\/b>. If you pass away before you repay your loan, the remaining principal amount and interest could be taken from your beneficiary\u2019s death benefit, leaving them with less financial support than you intended.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Could put policy at risk.<\/b> While you can\u2019t be penalized for failure to repay a life insurance loan, in some cases, it could put your policy at risk. Interest rates on your loan compound each year, meaning your life insurance coverage could lapse if the total amount you owe exceeds your policy\u2019s cash value.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Might lose benefits from riders<\/b>. Your life insurance loan may deplete the amount set aside for extra features or benefits, like an accelerated death benefit rider.<\/li>\n<\/ul>\n<h2>Alternatives to taking out a life insurance loan<\/h2>\n<p>If taking out a loan against your life insurance policy doesn\u2019t seem like the right fit for your circumstances, you have other options.<\/p>\n<p>Instead of taking out a loan against your life insurance policy, you could withdraw from its cash value. In that case, you wouldn\u2019t have to repay anything. Withdrawals permanently reduce your death benefit, so this could be worth considering if you no longer need as much coverage.<\/p>\n<p>If your financial circumstances or life insurance needs have changed, you might also consider swapping out your permanent policy for a more affordable term life policy. When you surrender or <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/whole-life-insurance-101\/can-you-cash-out-a-whole-life-insurance-policy\/\">cancel your permanent policy<\/a>, you could use its cash value to buy a term life insurance policy. That way, you can reduce expenses and still protect your loved ones.<\/p>\n<h2>Get a professional opinion before borrowing against life insurance<\/h2>\n<p>Borrowing against your life insurance policy is a serious decision that could significantly impact your coverage. Before you take out a loan, it\u2019s a good idea to consider alternatives and speak with a professional. <a href=\"tel:8668533013\">Call Fidelity Life today<\/a> to speak with a licensed life insurance agent who can help you understand your life insurance options.<\/p>\n<h2>FAQs about borrowing from life insurance<\/h2>\n<h3>How soon after getting life insurance can you borrow from it?<\/h3>\n<p>Your insurer may have specific guidelines about when you can borrow from your life insurance policy. Typically, you can only borrow up to a certain percentage of your policy\u2019s cash value, so you may have to wait many years for your policy to reach that threshold.<\/p>\n<h3>Do you have to pay back what you borrow from life insurance?<\/h3>\n<p>Technically, no, you don\u2019t have to pay back what you borrow from life insurance. However, the total amount you owe, including interest, may be deducted from your death benefit when you pass away. If that amount ever exceeds your policy\u2019s value, it may lapse.<\/p>\n<h3>How much interest will you pay on money borrowed from life insurance?<\/h3>\n<p>Your interest rate on money borrowed from life insurance depends on your provider. Usually, life insurance loans have lower interest rates than personal loans from the bank.<\/p>\n<h3>Do you have to pay taxes on a life insurance loan?<\/h3>\n<p>In most cases, you may not have to pay taxes on a life insurance loan. However, your circumstances may differ. Speak with a financial professional for more information on life insurance loan taxes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A life insurance policy could help you protect your family\u2019s finances after you pass away. But did you know some policies could also provide additional support if you need extra money during your life? If you have a costly medical emergency, your child is going to college, or you want to start a new business, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":511282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-511281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-permanent-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Borrowing Against Life Insurance: What You Need to Know<\/title>\n<meta name=\"description\" content=\"Borrowing against life insurance means removing some of a permanent life insurance policy&#039;s cash value as a loan or withdrawal. Learn more before you borrow.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Borrowing Against Life Insurance: What You Need to Know\" \/>\n<meta property=\"og:description\" content=\"Borrowing against life insurance means removing some of a permanent life insurance policy&#039;s cash value as a loan or withdrawal. Learn more before you borrow.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281\" \/>\n<meta property=\"og:site_name\" content=\"Fidelity Life\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-11T15:01:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2023\/04\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jane Mitchell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jane Mitchell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281\"},\"author\":{\"name\":\"Jane Mitchell\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/person\\\/ee36011e046d223246a3366bb92965b0\"},\"headline\":\"Borrowing against life insurance\",\"datePublished\":\"2023-05-11T15:01:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281\"},\"wordCount\":1029,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg\",\"articleSection\":[\"Permanent Life Insurance 101\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281\",\"name\":\"Borrowing Against Life Insurance: What You Need to Know\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg\",\"datePublished\":\"2023-05-11T15:01:48+00:00\",\"description\":\"Borrowing against life insurance means removing some of a permanent life insurance policy's cash value as a loan or withdrawal. Learn more before you borrow.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#primaryimage\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg\",\"width\":1200,\"height\":800,\"caption\":\"hands borrowing money\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=511281#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Borrowing against life insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"name\":\"Fidelity Life\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\",\"name\":\"Fidelity Life\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"width\":824,\"height\":148,\"caption\":\"Fidelity Life\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/person\\\/ee36011e046d223246a3366bb92965b0\",\"name\":\"Jane Mitchell\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"caption\":\"Jane Mitchell\"},\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?author=2\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Borrowing Against Life Insurance: What You Need to Know","description":"Borrowing against life insurance means removing some of a permanent life insurance policy's cash value as a loan or withdrawal. Learn more before you borrow.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Borrowing Against Life Insurance: What You Need to Know","og_description":"Borrowing against life insurance means removing some of a permanent life insurance policy's cash value as a loan or withdrawal. Learn more before you borrow.","og_url":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281","og_site_name":"Fidelity Life","article_published_time":"2023-05-11T15:01:48+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2023\/04\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg","type":"image\/jpeg"}],"author":"Jane Mitchell","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jane Mitchell","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#article","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281"},"author":{"name":"Jane Mitchell","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/person\/ee36011e046d223246a3366bb92965b0"},"headline":"Borrowing against life insurance","datePublished":"2023-05-11T15:01:48+00:00","mainEntityOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281"},"wordCount":1029,"commentCount":0,"publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2023\/04\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg","articleSection":["Permanent Life Insurance 101"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#respond"]}]},{"@type":"WebPage","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281","url":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281","name":"Borrowing Against Life Insurance: What You Need to Know","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#primaryimage"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2023\/04\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg","datePublished":"2023-05-11T15:01:48+00:00","description":"Borrowing against life insurance means removing some of a permanent life insurance policy's cash value as a loan or withdrawal. Learn more before you borrow.","breadcrumb":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#primaryimage","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2023\/04\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2023\/04\/9f260cc6-young-beautiful-female-hand-gives-a-bunch-of-money-to-the-male-hand-of-a-businessman-for.jpg_s1024x1024wisk20cxukgqwekkjf8qiwt3cjtmwjlmxcpoclpvvuowxlldrs.jpg","width":1200,"height":800,"caption":"hands borrowing money"},{"@type":"BreadcrumbList","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=511281#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/staging03.wordpress.fidelitylife.com\/"},{"@type":"ListItem","position":2,"name":"Borrowing against life insurance"}]},{"@type":"WebSite","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","name":"Fidelity Life","description":"","publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/staging03.wordpress.fidelitylife.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization","name":"Fidelity Life","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","width":824,"height":148,"caption":"Fidelity Life"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/person\/ee36011e046d223246a3366bb92965b0","name":"Jane Mitchell","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","caption":"Jane Mitchell"},"url":"https:\/\/staging03.wordpress.fidelitylife.com\/?author=2"}]}},"_links":{"self":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts\/511281","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=511281"}],"version-history":[{"count":0,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts\/511281\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/media\/511282"}],"wp:attachment":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=511281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=511281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=511281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}