Fifth Season’s Loans for Living program provides people living with late stage cancer, loans against their life insurance policy. The loan is designed to allow the cancer patients and their families to focus on living each day to its fullest without the distractions of financial stress. Fifth Season has an easy, no cost application process which will determine whether the cancer patient would qualify. The loan is a secured financial transaction at no recourse to the patient i.e. the death benefit of the life insurance policy is used to repay the loan; in the event the death benefit is insufficient to repay the loan there is no obligation on behalf of the patient or their estate to make up the difference.