How it Works

Applying for an Esprit line of credit is simple. Contact one of our Esprit agents who can walk you through you the process and answer any of your questions.

Get Approved
Within 24 hours of receiving a complete loan application, your Esprit agent will contact you to tell you if you are approved and the amount of the loan for which you qualify. We will also confirm your preference of withdrawing funds by either check or debit card at this time.

Live Liquid
Your Esprit Line will be set up and available for you to use within seven business days of loan approval!

Esprit offers you the opportunity to enjoy the benefits of your whole life insurance policy while you are still alive! Get answers to your questions here.

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.

Contact Us Apply Online

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.