Like all forms of secured lending, life insurance premium financing carries special risks that you should consider. For example, an increase in interest rates will increase borrowing costs and lower returns. A decrease in collateral value may limit your ability to obtain advances, or it may require you to pay down the loan or deposit additional cash or securities. If you’re unable to meet a collateral call, Truist can force the sale of securities. There’s no guarantee that Truist will renew the loan. Talk to your advisor to learn more about the risks of financing life insurance premiums.