Policy Equity Term Loan

Due to Wintrust Life Finance’s experience with cash value based lending we’ve developed the policy equity term loan product for borrower’s who are looking to unlock the value of their in-force permanent life insurance contracts. While this concept is similar to the line of credit product, borrowers are able to tap the total loan facility at origination and avoid draw down and usage fees.


  • Customizable loan terms
  • Loan secured by cash values of the in-force insurance policy thereby leaving other client assets unencumbered
  • Swift underwriting and closing process

Option to finance future premiums available