Charts, papers, glasses and a cup of coffee on the desk

Advisor

Charts, papers, glasses and a cup of coffee on the desk

Advisor

Loans Tailored for Your Clients

Wintrust Life Finance (Wintrust Life) offers several financing options, each specifically tailored for your client’s objectives. With more than two decades of experience crafting customized loans, our team of experts is the most knowledgeable in the industry. And, as the nation’s largest traditional life insurance premium finance lender, our reach is unmatched. This combination of size, scale, and longevity is what makes us the gold standard in the marketplace.

Plus, all our loans are fee-free. There are no origination, legal, or annual maintenance fees. There is no prepayment penalty or required reallocation of assets. We don’t ask the client for anything more than the loan itself.

OTHER KEY FEATURES OF OUR LOANS INCLUDE:

  • $5 million minimum net worth and $100,000 first-year premium
  • No maximum loan amounts
  • Fast and simple annual review process
  • Interest can be paid annually either in advance or arrears; qualified borrowers may defer for up to five years
  • All loans are recourse and fully secured with policy cash surrender volume (CSV) and outside collateral, if needed
  • Refinancing of other lenders’ loans available

Case Studies

How to Use Premium Finance for Estate Equalization

One of our clients, a successful business owner, spent years building a thriving family business. He was ready to retire and had already established a succession plan with his son, but his estate plan was much more complicated.
 

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The Value of Leveraging Life Insurance Coverage

A successful real estate investor had previously purchased a sizeable life insurance policy for her succession planning needs, which she paid for using cash flow from her real estate investments.
 

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How Wintrust Life Makes Complex Multi-Participant Deals Look Easy

Multi-participant life insurance deals are often sophisticated and have a lot of moving parts but our team at Wintrust Life has continuously proven to have the expertise to get them done.
 

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How Financing Key Person Insurance Can Help Businesses Grow Without Tying Up Capital

A business owner experienced immediate success upon starting his company and, four years later, wanted to protect and ensure its progress.

 

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One-size-fits-all lending just doesn't work, so we tailor-fit a loan structure to each of our client's objectives.

Types of Loans

   

   



 

 

Loan Options

   

   

GETTING STARTED

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