Life Insurance Company Loans

M&T Realty Capital Corporation® works with a broad network of institutional and life insurance company investors to provide mortgage financing for commercial income properties. Life insurance company investors are typically portfolio lenders, retaining and servicing the loans post-closing, which provides for more borrower flexibility during the term of the loan.

Our Correspondent Network

Comprised of some of the most respected life insurance companies in the nation.

  • Aegon Life Insurance
  • AIG Global Investment Corporation
  • American Equity Investment Life Insurance Company
  • Columbian Mutual Life
  • ICA Mortgage Capital
  • Ohio National Financial Services
  • PPM America (Jackson National Life)
  • Protective Life Insurance Company

Property Types Financed

Income-producing commercial properties, including:

Our Correspondent Network

Comprised of some of the most respected life insurance companies in the nation.

  • Hospitality & hotels
  • Industrial properties – warehouses, self-storage, flex
  • Mixed-use properties
  • Multifamily properties
  • Office properties – medical office building, conventional office
  • Retail properties – strip malls, standalone units, power centers

Loan Program Features!

Life company loans typically include the following features. For specific information on this program, please contact us.

Characteristic Terms1 Life company debt placement
Minimum loan!amount $3,000,000
Maximum Loan-to-Value (LTV)

60% – 70%

Minimum Debt Service Coverage Ratio (DSCR)

Typically 1.20x – 1.40x

Loan term

5 to 20 years.

Amortization 10 to 30 years
Rate type Fixed

Partial term may be available

Early rate lock options Typically 60-90 days, longer terms may be available

1 loans and all terms referenced herein are subject to receipt of a completed application, credit approval and other conditions.

Get Started

Contact M&T Realty Capital Corporation to help.

Our program managers can talk through yourneeds to find options that work for you.

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$24.5 Million in Financing for a Retail Property in Pennsylvania

M&T Realty Capital Corporation® has arranged a $24,500,000 life insurance company loan for the refinance of a 170,614-sf retail property located in Philadelphia, PA.
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