By using lessr.net you accept these terms. If you don't, please don't use the site.
lessr is a consumer credit platform offering a credit card backed by the cash value of a permanent life insurance policy. The phase 1 product is collateralized by whole life. Phase 2 extends to universal life and indexed universal life through a sponsor bank.
Information on the site is illustrative until you submit your specific carrier and policy details, at which point we surface your actual rate.
The savings calculator and all rate examples are illustrative. They use typical-range numbers and do not constitute a loan offer. Your actual rate depends on your carrier, policy type, cash value, and other factors we verify during the inquiry process.
When you submit the inquiry form, you're requesting that lessr follow up about your specific situation. You're not signing up for a loan by submitting the form. The form starts a conversation, not a binding agreement.
lessr.net content, including the blog, is © lessr. You may share excerpts with attribution; you may not republish wholesale.
We rely on Tally (form storage), Vercel (hosting), Sanity (blog CMS), and Plausible (analytics). Their terms apply to their portions of the service.
The site is provided "as is." We do not guarantee availability, accuracy, or fitness for any particular purpose. Nothing on the site is insurance, legal, or tax advice. Consult your own advisors.
Placeholder for counsel.
Placeholder for counsel.
We may update these terms. Continued use of the site after an update means you accept the new terms.
Questions about these terms: hello@lessr.net.