Submit Your Loan Insurance Requirement
The Loan Compliance Desk is a centralized resource for commercial lenders, loan brokers, business owners, and trusted advisors who need help coordinating life insurance, disability loan protection, or collateral assignments for a new or existing commercial loan.
Whether you're referring a borrower, helping a client complete a financing transaction, or protecting a loan that's already in place, submit the loan and insurance information here and we'll take it from there.
Lenders & Loan Brokers
Send us the loan insurance requirement and introduce us to the borrower. We work directly with the borrower, coordinate the insurance process, and keep the appropriate parties informed through completion.
Business Owners & Borrowers
Have a new or existing business loan? Submit your lender's requirements — or tell us what you're looking to protect — and we'll help coordinate the appropriate life and/or disability coverage.
Trusted Advisors
CPAs, attorneys, business brokers, financial professionals, and other advisors can introduce clients who need insurance for a financing transaction. We coordinate directly with the client while keeping you involved as appropriate.
Two Ways To Protect. Life + Disability. One Point of Contact.
Submit Your Loan Insurance Requirement
Whether you are referring a borrower, submitting your own loan requirement, or assisting a client, use the form below to send us the loan and insurance information.
You may submit life insurance, disability loan protection, or both. When both are being evaluated, we can coordinate them together while allowing the life insurance case to continue moving independently.
You may also upload lender requirements, commitment letters, loan conditions, collateral assignment forms, or other relevant loan documents.
Please do not submit medical records or personal health information through this form. Health and underwriting information will be collected directly from the borrower through the appropriate insurance application process.
Fast-Track To Approval
Your loan requirements have been submitted. Now take the next step to apply for the life insurance coverage needed to help satisfy your lender's requirement.
Our streamlined process helps identify your fastest available underwriting path and best available rates. Qualified applicants may receive an application decision in minutes.
Once your application is underway, we help coordinate the process from underwriting and policy approval through collateral assignment and completion of your lender's insurance requirement.
If additional review is needed, your case will be routed to an underwriting team to help identify the most appropriate coverage and rate options.
Start My Life Insurance Application1. Application
Complete your secure insurance application
2. Decision
Qualified applicants may receive a decision in minutes
3. Collateral Assignment
We coordinate directly with your lender
4. Policy Delivery
Get it done and keep your loan on track
Business Loan Disability Coverage: If You Can't Work, Your Loan Payments Don't Stop.
A serious sickness or injury can keep a business owner
from working while the business loan payments continue.
Business Loan Expense (BLE) disability coverage is
designed to help make eligible business loan payments during a
qualifying disability.
Whether your lender requires disability coverage or you simply want
to protect the business and its debt while you recover, we can help
identify the appropriate business loan disability solution.
Long-Term Loan Protection
Benefit periods may extend to the end of the financial obligation, with eligible coverage periods available up to 30 years.
Built Around Your Loan Payment
Monthly benefits may be structured up to the eligible monthly loan obligation, subject to product limits and underwriting.
Lender Assignment
Benefits can be assigned to the holder of the loan when lender protection is required.
Built Specifically for Business Loans
Helps protect against the risk that a qualifying disability prevents the borrower from working and disrupts the ability to make eligible business loan payments.
*Product availability, benefit amounts, benefit periods and coverage structure vary by state, loan type, age, occupation class and underwriting. Depending on the case, business loan disability protection may be available through standalone Business Loan Expense coverage or another eligible business disability structure.
What Happens After You Submit?
Once we receive the case, we review the loan and insurance information, work directly with the borrower, and coordinate the process through completion.
01
We Review the Case
We review the loan amount, insurance requirement, closing timeline, borrower information, and any documents provided to determine the appropriate next step.
02
We Work Directly With the Borrower
We contact the borrower directly and coordinate the information needed for the appropriate life and/or disability insurance process.
03
We Coordinate Through Completion
We coordinate underwriting, carrier requirements, policy completion, and collateral assignment when required, while keeping the appropriate parties informed throughout the process.
Online remote notarization is available when required for collateral assignment documents.
You Send Us the Case. We Help Keep the Insurance Process Moving.
Learn About Business Loan Protection
Not sure what type of coverage you need or where to start?
Our Business Loan Protection center explains how life insurance, disability loan protection, and collateral assignments can help protect new and existing business loans — and helps you find the right path for your situation.
Explore Business Loan ProtectionLoan Protection for New & Existing Business Financing
Whether insurance is required for a new closing or you're looking to protect an existing business loan, the Loan Compliance Desk can help coordinate the appropriate life insurance, disability loan protection, and collateral assignment needs.
Don't see your loan type? We work with a wide range of commercial financing situations. Contact us and we'll help determine the appropriate next step.
Contact UsSupported Loan Types
Have a Question Before You Submit?
Not sure what information to provide, have a question about a loan insurance requirement, or want to discuss a case before submitting it? Contact us directly and we'll help determine the appropriate next step.
866-812-4777Loan Compliance Desk FAQ
Who can submit a case through the Loan Compliance Desk?
Commercial lenders, loan brokers, business owners and borrowers, and trusted advisors can submit a case. If you're referring a borrower or client, we'll work directly with them to coordinate the insurance process while keeping the appropriate parties informed.
What types of insurance requests can I submit?
You can submit cases involving life insurance, Business Loan Disability protection, life + disability, collateral assignments, existing policy reviews, and difficult-to-place insurance situations for new or existing business loans.
What information or documents should I provide?
Provide the loan and insurance requirement information available to you, including the loan amount or current balance, loan term, anticipated closing date, and coverage requirement.
You may also upload lender requirements, commitment letters, loan conditions, collateral assignment forms, or other relevant loan documents.
Please do not upload medical records or personal health information. Health and underwriting information will be collected directly from the borrower through the appropriate insurance application process.
Can you review an existing policy for the loan requirement?
Yes. We can review an existing life insurance policy to help determine whether it may be appropriate for the lender's requirement and coordinate a collateral assignment when applicable. The lender ultimately determines whether existing coverage satisfies its requirements.
How long before my policy and collateral assignment are active for loan closing?
Your overall timeline depends on two core parts: policy issuance and carrier collateral assignment recording.
Step 1
Smart-Match Policy Issuance (Minutes to Days)
We evaluate the borrower and loan before selecting a carrier, helping identify insurers whose underwriting guidelines are a strong fit for the case. Qualified applicants may receive instant decisions and same-day policy issuance, while other cases may be approved within a few business days. Cases requiring medical records or traditional underwriting will take longer.
Step 2
Hard-to-Place & Previously Declined Cases
A previous decline, postponement, rating, or complicated medical history doesn't necessarily mean coverage is unavailable. We can work with experienced underwriting teams and specialized carrier resources to evaluate other potential paths to coverage. Complex cases may require additional underwriting and medical records, so they naturally take longer.
Step 3
Online Remote Notarization
Once the policy is ready and the collateral assignment documents can be executed, some lenders or carriers may require notarization. When appropriate, we provide access to online remote notarization, allowing documents to be completed electronically without unnecessary branch visits or mailing delays.
Step 4
Carrier Collateral Assignment Recording
The collateral assignment isn't complete simply because the form has been signed. The insurance carrier must record the assignment and acknowledge the lender's interest in the policy. We coordinate the assignment process with the appropriate parties and follow it through carrier processing so the required acknowledgment can be provided for the loan file.
Have an upcoming closing date? Include it when submitting your case so we can factor the deadline into the process from the beginning.
What if the borrower has already been declined or has a complicated underwriting history?
Submit the case. A previous decline, postponement, rating, medical history, or other underwriting complication doesn't necessarily mean the borrower is out of options. We can review the situation with experienced underwriting teams to determine whether another carrier or underwriting path may be available.
Can you coordinate both life insurance and disability loan protection?
Yes. Life insurance and Business Loan Disability protection can be evaluated and coordinated together when appropriate. We can manage both processes while allowing the life insurance case to continue moving independently when necessary.
Do you handle the collateral assignment?
Yes. When a collateral assignment is required, we help coordinate the process with the borrower, insurance carrier, lender, and other appropriate parties through carrier recording and acknowledgment.
When required, online remote notarization may also be available to help streamline execution of the assignment documents.