Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 22, 2021

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Facts You Should Know

  • 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.

The top life insurance company for mortgage loans is Mutual of Omaha while the top lender for commercial real estate is Pacific Life.

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 Companies That Provide Real Estate Loans
Life Insurance CompanyCommercial Real Estate LendingPersonal Mortgage LendingReal Estate Loan Length/Amounts
Fidelity LifeYesNoN/A
John HancockYesNo30 years/$200,000,000
Mutual of OmahaNoYes30 years/$500,000
Northwestern MutualYesNo25 years/$500,000,000
Pacific LifeYesNo30 years/$400,000,000
Principal LifeYesNo30 years/$10,000,000
USAAYesNoN/A
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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.

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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.