The Wintrust Difference

Key Features

  • Wintrust Life Finance (Wintrust Life) does not participate in the life insurance commission 
  • No origination, legal or annual maintenance fees 
  • No prepayment penalty 
  • No required relocation of assets 
  • Wintrust Life accepts business from all 50 states and US territories 
  • Minimums: $5,000,000 Net Worth & $100,000 first year premium 
  • No maximum loan amounts 
  • Fast and simple annual review process 
  • Borrowers have the annual option to finance the next premium through Wintrust Life or pay it themselves 
  • Interest can be paid annually either in advance, arrears, or qualified borrowers may defer for up to 5 years 
  • All loans are recourse and fully secured with the policy CSV and outside collateral, if needed 
  • Fixed rates and Caps are available for qualified clients 
  • Wintrust Life, or one of its banking affiliates, will finance in-force policies 
  • Re-Financing of other lender’s loans available