Commercial Loan Borrowers
We are independent loan protection specialists who fast-track required life and disability insurance for SBA and commercial loan borrowers. Instead of waiting weeks with traditional brokers, we shop your profile across 90+ top-rated carriers, provide access to online remote notarization if your lender requires it, and manage getting your collateral assignment executed and recorded with the carrier—working to expedite it so it reaches your closing desk on time.
No confusing online quote forms. Our technology matches borrower to the right carrier before they apply—one call to us does it all.
Lenders
Clear Insurance Conditions Faster. Keep Loans Moving.
We help commercial lenders coordinate life and disability insurance requirements, underwriting, and collateral assignments directly with borrowers—providing one point of contact from initial referral through completion.
Don't Let an Insurance Requirement Delay the Closing
A borrower may need coverage, but the lender shouldn’t have to manage insurance applications, underwriting, carrier follow-up, or collateral assignment paperwork.
Send Us the Requirement. We'll Take It From There.
Provide the insurance requirement, loan amount and closing timeline, and introduce us to the borrower. We coordinate the insurance process directly with the borrower and keep the appropriate parties informed through completion.
Refer the Borrower & Requirement
We Work Directly With the Borrower
We Coordinate Coverage & Assignment
You Receive Status Updates
What If the Borrower Can't Work?
For many closely held businesses, loan repayment depends on the continued ability of one or two key people to operate the business and generate cash flow. A disability doesn't stop the loan payment. It can stop the person generating the income to make it.
1 in 4 working adults will experience a period of disability lasting 90 days or more during their careers.*
Business Loan Disability Protection can provide another layer of protection by structuring coverage specifically around the borrower's debt obligation.
Matches Your Entire Loan Term
Matches the loan repayment schedule, with available benefit periods from 5 up to 30 years depending on product and eligibility.
Dollar-for-Dollar P&I Protection
Benefits can be structured around the eligible monthly Principal and Interest (P&I) obligation.
Direct Bank Assignment
Benefits can be assigned directly to the lender to help protect the debt obligation during a covered disability.
Lean & Dedicated
Coverage targets the loan obligation rather than replacing the borrower's entire personal income.
Don't Currently Have a Disability Loan Protection Process? We can work with your lending team to help establish a repeatable process for appropriate SBA and conventional commercial loan borrowers.
*Source: Social Security Administration.
Why Commercial Lenders Work With Us
When an insurance requirement is holding up a loan, you need more than a quote. You need a resource that understands underwriting, carrier selection, loan requirements, and the importance of keeping the closing moving.
Independent Carrier Access
We're independent — not tied to one insurance company. We can evaluate borrowers across 90+ top-rated carriers to find the right combination of underwriting, pricing, and speed.
Experienced Underwriting Teams
We work with experienced underwriting teams that help evaluate cases before an application is submitted — reducing unnecessary delays, surprises, and avoidable declines.
Declined & Hard-to-Place Cases
A decline from one carrier doesn't necessarily mean the borrower is uninsurable. We can review declined, postponed, and complex cases and identify carriers that may view the risk differently.
Express Term — Instant Decisions Up to $5 Million*
For qualified borrowers, our Express process can provide instant decisions and same-day coverage, with no-exam options available. Larger cases can be handled through accelerated or traditional underwriting.
Built Around the Loan
We start with the loan amount, lender requirement, borrower profile, and closing timeline — then identify the appropriate carrier and underwriting path before the borrower applies.
Life + Disability Under One Relationship
From life insurance and collateral assignments to business loan disability protection, lenders have one resource coordinating the insurance requirement with the borrower.
One Relationship. One Point of Contact. One Coordinated Process.
Whether the borrower qualifies for an instant decision or requires more complex underwriting, our goal is the same: find the right path to coverage and help keep the loan moving toward closing.
*Instant decisions and same-day coverage are subject to carrier eligibility, underwriting requirements, state availability, and case qualifications.
Frequently Asked Questions
Do you handle both life insurance and disability insurance for loan protection?
Yes. We can coordinate both life and disability protection for commercial loans.
Depending on the situation, this may include life insurance with a collateral assignment, Business Loan Expense disability coverage, Key Person Disability, or other appropriate business protection strategies.
This gives lenders one insurance resource for both death and disability risk rather than requiring borrowers to work with multiple providers.
How do we refer a borrower to you?
Your lending team can introduce the borrower to us directly by phone or email, or submit the insurance requirement through our Loan Compliance Desk.
Once introduced, we work directly with the borrower to coordinate the insurance process and keep the appropriate parties informed through completion.
Call: 866-812-4777 Online: Loan Compliance Desk
The borrower remains free to choose their insurance provider.
What is the difference between working with you and going directly to an insurance company?
We are independent and not limited to one insurance company or one underwriting approach.
We have access to 90+ top-rated life, disability, and health insurance carriers and work with experienced underwriting teams to evaluate the borrower, loan requirement, coverage amount, and closing timeline before determining the appropriate carrier and underwriting path.
Instead of sending the borrower to a single company, we can evaluate multiple options while providing one point of contact from initial referral through coverage and collateral assignment.
Can the borrower simply get an online quote and apply themselves?
Yes — but a quote is not an underwriting decision.
Insurance companies have different underwriting guidelines, and the lowest price displayed online may not ultimately be the best rate — or even the right carrier — for that borrower.
Applying to the wrong carrier first can lead to additional medical requirements, higher pricing, delays, or an avoidable decline. When a loan closing is involved, the borrower may then have to start the process again with another company.
Our approach is to evaluate the borrower, loan requirement, coverage amount, closing timeline, and underwriting considerations before determining where to apply.
Learn More: Don't Apply Blindly →How quickly can you get life insurance and a collateral assignment completed?
For qualified borrowers, our Express process can provide instant decisions and same-day coverage, with coverage amounts up to $5 million available for qualifying cases.
Cases requiring accelerated or traditional underwriting may take longer depending on medical history, coverage amount, and carrier requirements.
Once coverage is approved, we help coordinate the collateral assignment process, including access to online remote notarization when required, carrier recording of the assignment, and delivery of the carrier's acknowledgment to the appropriate parties.
Do you handle collateral assignments through completion?
Yes. We help coordinate the collateral assignment with the borrower, insurance carrier, and lender.
Our goal is to get the required documents executed as early as possible, follow the assignment through the carrier's processing department, and provide the appropriate acknowledgment once the carrier has recorded the assignment.
What if our borrower has already been declined or is difficult to insure?
A decline from one insurance company does not necessarily mean the borrower is uninsurable.
Different carriers can evaluate the same medical history, medications, occupation, financial circumstances, and other risks differently.
We can review declined, postponed, rated, and hard-to-place cases with experienced underwriting teams and determine whether another carrier or underwriting path may be more appropriate.
Learn More: Declined & Hard-to-Place Cases →Can you help our bank or credit union establish a disability loan protection program?
Yes. We can work with your commercial lending team to help establish a repeatable process for identifying appropriate borrowers, introducing disability loan protection, coordinating coverage with the borrower, and assigning eligible benefits to the lender when appropriate.
The goal is to give your lending team a consistent resource for disability-related loan protection without requiring your loan officers to become insurance specialists.
Can you handle borrowers who need more than $5 million of life insurance coverage?
Yes. The $5 million amount refers specifically to certain qualified cases eligible for our Term Express process — it is not our maximum case size.
Our Term Express technology can provide qualified applicants with instant decisions and same-day coverage.
Watch How Our Term Express Process Works →For borrowers requiring more than $5 million of coverage, we can pursue accelerated or traditional underwriting, selecting the appropriate carrier based on the coverage amount, borrower profile, financial justification, loan structure, and closing timeline.
We are also not limited to term life insurance. Depending on the borrower's age, health, loan structure, coverage objective, and longer-term needs, we can evaluate term life, whole life, universal life, and other permanent life insurance solutions.
As an independent agency, our goal is to determine the appropriate type of life insurance and carrier for the borrower and the loan requirement, rather than forcing every case into a single product.
Do you work with both SBA and conventional commercial loans?
Yes. We can assist with insurance needs associated with SBA and conventional commercial financing, including business acquisitions, commercial real estate, franchise financing, equipment and expansion loans, working capital, lines of credit, and other business financing situations.
Carrier, product, underwriting, and assignment availability vary based on the individual case.
Can you work with borrowers in multiple states?
Yes. We are multi-state licensed and can assist borrowers across multiple states with life insurance, disability protection, and commercial loan insurance requirements.
For banks, credit unions, and lending organizations operating across multiple markets, this provides a single insurance resource for borrowers in multiple states rather than requiring the lending team to locate a different insurance professional for each market.
Carrier and product availability vary by state.
Ready to Refer a Borrower?
Whether it's life insurance, disability protection, a collateral assignment, or a difficult-to-place case, send us the requirement and introduce us to the borrower. We'll take it from there.