The Pinnacle Life Finance Life Finance Story
Pinnacle Life Finance has been providing life insurance premium financing loans to business and trust-based borrowers since 1997. Our philosophy is client-centric and our focus on rapid, efficient underwriting and closing makes us the nation’s leading lender for both new policy premium financing and in-force policy loan refinancing. As a member of the Pinnacle Life Finance Bank family, we provide borrowers the confidence and certainty that can only come from working with one of America’s most respected banking institutions.
Borrowers
Pinnacle Life Finance offers loans to meet the need of “traditional” trust-based life insurance premium financing requirements as well as financing for life-insurance based planning solutions implemented by business owners (including financing for key man policies, 162 bonus plans, buy-sell arrangements, non-qualified deferred compensation plans, and more).
Loan Details
Pinnacle Life Finance’ Life’s’s loan submission process is streamlined. Providing rapid preliminary rates offers, requiring no annual underwriting, and with (generally) no requirement for personal guarantees, Pinnacle Life Finance is the optimal choice for life insurance premium financing and other insurance-backed lending solutions.
Services
Business Planning
Pinnacle Life Finance’s unparalleled customer service and expertise enable us to provide loans to facilitate a broad range of life insurance-backed planning solutions for business borrowers.
Trust Lending
For high net worth individuals seeking trust-based borrowing for estate planning needs, Pinnacle Life Finance is the ideal premium funding source for any life insurance-based strategies.
In-Force Lending
Pinnacle Life Finance offers superior terms and rates, enabling borrowers with existing policy loans (whether they’re carrier loans or premium financing arrangements) to refinance and significantly improve their rates, terms and long-term financial performance.
Why Choose Pinnacle Life Finance
Expertise
Pinnacle Life Finance has more institutional experience, with more varied types of lending solutions, than any other provider of life insurance premium financing in the industry today.
Flexibility
With Pinnacle Life Finance, borrowers are afforded flexibility in every aspect of managing their loan – from development to implementation to post-closing loan support – ensuring that the loan always meets their needs.
Loan Processing and Management
Pinnacle Life Finance can generally provide a preliminary loan offer in as little as 72 business hours and doesn’t require annual re-underwriting to keep the loan in force once it is approved and closed. Additionally, Pinnacle Life Finance offers automatic 10-year renewal after the first term.
Carrier Range
Pinnacle Life Finance works with a broad range of top-rated carriers offering insurance products best suited to premium financing – which makes finding the right product for the borrower’s needs easier.