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ESPRIT invites you to apply for a simplified line of credit designed exclusively for owners of insurance policies with accumulated cash value.

The value of a whole life or permanent insurance policy is often not recognized beyond the death benefit. With an ESPRIT line of credit (ESPRIT line), you can get immediate access to the cash value of our life insurance policy – allowing you to spend or invest as you see fit.

  • A simple application process with fast approval
  • Immediate access to funds once approved
  • 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
  • Continue to earn policy dividends
  • Policy death benefit remains secure

With an Esprit Line accessing the cash value of your life insurance policy is easy. Once approved, you will be able to access your line by writing a check or use a debit card.

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.