In-force Policy Loan Refinance

Wintrust Life Finance is actively engaged in the refinancing of internal policy loans on in force life insurance contracts. The ability to borrow against policy cash values is a valuable feature of permanent life insurance policies but insurance carrier loan rates can be higher than what the capital marketplace could offer. By refinancing internal policy loans with Wintrust Life a client can realize several advantages.


  • By refinancing the internal policy loan the underlying policy can potentially perform better long term
  • In some instances the majority of the collateral required for a policy loan refinance can  come from the policy itself
  • Refinancing an internal policy loan may stave off the potential for policy lapse and subsequent taxable events
  • Policy holders are likely to experience more flexible loan options when refinancing with Wintrust Life