Top Life Insurance Company That Provides Real Estate Loans in 2021
If you're a commercial investor, life insurance companies that provide real estate loans can offer you more competitive rates and terms than a traditional lender. John Hancock and Pacific Life are the most popular life insurance companies for commercial real estate lending. Not as many life insurance companies offer personal mortgage loans, but first-time homebuyers can find reduced credit requirements with Mutual of Omaha.
FREE Life Insurance Quotes
Secured with SHA-256 Encryption
UPDATED: Oct 22, 2021
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
- Life insurance commercial real estate lending is more popular than personal mortgage loans
- Pacific Life, John Hancock, and Principal Life are the top life insurance companies for commercial real estate loans
- Mutual of Omaha is the top life insurance company for personal mortgage loans
Do life insurance companies invest in real estate? Yes.
Not only do providers offer different types of life insurance coverage, but commercial real estate and personal mortgage lending are lucrative investments that ensure a life insurance company can continue to pay out benefits to its policyholders.
No matter your investment needs, life insurance companies offer competitive loan rates and term lengths that may fit your budget better than a traditional lender or bank. It’s just a matter of comparing life insurance companies to see which offers the best real estate loan for you.
However, if you’re looking for a real estate loan through your life insurance provider, most companies strictly invest in commercial real estate.
We’ve compiled a list of the best life insurance companies that provide real estate loans so you can find the top provider for your portfolio. Scroll down to learn more, or enter your ZIP code above to buy life insurance today with free life insurance quotes from local providers.
What is the top life insurance company that provides real estate loans?
Finding the best lender for your real estate investment depends on the type of property you have. Life insurance companies prefer commercial real estate investment, especially in the multifamily sector. In 2020, life insurance providers invested nearly $10 billion in multifamily lending.
What does this mean for policyholders? You’ll have a hard time finding a life insurance company that provides personal mortgage loans.
You may have better luck buying coverage with life insurance companies that don’t provide real estate loans and using your bank or credit union as a lender.
But if you’re looking for a commercial investor, life insurance companies can provide longer loan terms at fixed rates.
Take a look at the life insurance company lenders list below to learn more about the top life insurance companies that provide real estate loans. Loan lengths and lending amounts are listed if known:
|Life Insurance Company||Commercial Real Estate Lending||Personal Mortgage Lending||Real Estate Loan Length/Amounts|
|John Hancock||Yes||No||30 years/$200,000,000|
|Mutual of Omaha||No||Yes||30 years/$500,000|
|Northwestern Mutual||Yes||No||25 years/$500,000,000|
|Pacific Life||Yes||No||30 years/$400,000,000|
|Principal Life||Yes||No||30 years/$10,000,000|
Get Your Rates Quote Now
Commercial real estate lending is far more common than personal mortgages, but Mutual of Omaha is the top pick for new home buyers and those with poor credit. The company has lower credit requirements than other lenders and doesn’t require a downpayment on VA loans.
You have more variety when it comes to life insurance commercial real estate lending. Depending on the size of your real estate project, the large lending amounts of Pacific Life or John Hancock may work for you.
Pacific Life also offers very short terms on their loans, some lasting as little as three years, which can work for small business owners.
USAA and Fidelity Life do not publicly list their commercial real estate loan rates or lending amounts, but USAA provides commercial real estate loans through Square Mile Capital, a larger investment firm.
What are the key benefits of life insurance real estate lending?
Many people choose life insurance companies for commercial lending because they offer longer terms than most real estate lenders, with 30 years being the popular trend in today’s market.
Life insurance companies are more flexible than traditional lenders, allowing developers to sell properties in the middle of a loan or adjust loan terms at certain points in the cycle.
For example, Principal Life allows rate adjustments and callback on the loan for both parties, not just the lender.
Life insurance company lenders also offer fixed rates so developers can lock in lower interest rates on long-term loans.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
What You Need to Know About Life Insurance Companies That Provide Real Estate Loans
While most life insurance companies specialize in commercial real estate investment, Mutual of Omaha is one of the few affordable life insurance companies that offer real estate loans to individual homebuyers.
Pacific Life, John Hancock, and Principal are among the most popular for commercial investments due to their high lending amounts and longer loan terms of 30 years.
You aren’t limited to the life insurance companies on our list. Local life insurance companies that offer real estate loans in your area may have more competitive rates than these larger providers.
Enter your ZIP code below to start looking for affordable life insurance rates from companies near you for free.