Advantages

The advantages of using an Esprit Line instead of a traditional line of credit or bank loan are limited only by your imagination.

Financially, the benefits are incredible and include:

  • A quick, simple application and approval process
  • No appraisals or closing costs required
  • Competitive, variable rates – well below most insurance company loans
  • Make interest-only monthly payments
  • Interest paid on LOC may be tax deductible*
  • One and two year terms available
  • No prepayment penalty

Plus, with an Esprit Line, you continue to earn dividends on your life insurance policy and your death benefit remains secure.

Here are just a few examples of how an Esprit Line can help you live liquid:

  • Buy a second home or investment property with no mortgage
  • Invest in a business – interest may be tax deductible*
  • Pay for college
  • Pay off high-interest debt
  • Pay your annual insurance premiums
  • Invest in stocks or make other investments
The application process is simple.
Contact us to speak with an Esprit agent who is standing by to assist you.

Subject to credit approval. Minimum line of credit $50,000. Servicing fee of $150 per year. Additional terms and restrictions may apply. *Consult your tax advisor.

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Esprit Enterprises is a leading digital financial services company connecting whole life and permanent life insurance policy holders with the most accomplished, credible and licensed insurance agents and financial institutions in the United States. All Esprit loan products are subject to credit and bank approval. Additional terms and conditions may apply. Programs, rates and terms and conditions are subject to change at any time without notice. Minimum line of credit $50,000. Servicing fee of $150 per year. *Consult your tax advisor.