Life Insurance Company Commercial Real Estate Loans
Life insurance company loans deliver the most competitive rates available in commercial real estate for institutional-quality stabilized assets. Life companies prioritize long-term matched-asset investments, so they reward borrowers with premium properties, strong sponsors, and conservative leverage by offering the tightest spreads over treasuries in the market.
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Life Insurance Company Commercial Real Estate Financing
Life insurance companies fund commercial mortgages directly from their general accounts, which means they can offer fixed-rate terms up to 25 years (and occasionally 30 years), prepayment flexibility other capital sources cannot, and non-recourse structures with minimal carve-outs. The tradeoff is more conservative underwriting: life companies typically cap leverage at 60 to 70% and focus on institutional-quality assets in primary and strong secondary markets. Commercial Lending Solutions has direct allocation relationships with the largest life company lenders and knows which desks have open appetite at any given moment.
Lender Sources
- Top-Tier Life Insurance Companies
- Mutual Life Companies
- Mid-Sized Life Insurance Lenders
- Correspondent Life Company Programs
Ideal For
- Class A office and industrial in primary markets
- Institutional-quality multifamily portfolios
- Anchored retail with credit tenants
- Net lease properties with investment-grade guarantors
- Long-term hold strategies
- Borrowers prioritizing rate over leverage
Life Company Loans by City
Related Property Types
Life Company Loans are available for all major commercial property types. Explore financing by property category.
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Life Company Loans FAQ
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