Insurance Companies are once again providing commercial financing. Insurance Companies are targeting retail, office, and industrial properties with or anchored by “A” Rated or better tenants. Financing is available for as much as 70% of acquisition price or appraisal. Rates are typically fixed for five, ten or sometimes even twenty years. The advantage of this financing is long-term, low, fixed interest rates. The disadvantage is that there are often large prepayment penalties associated with these loans.