The Living Benefit of Whole Life
Insurance.

Inclined makes it simple for whole life policyowners to access their cash value—whenever they need it, for whatever matters most. Discover how the Inclined Line of Credit (iLOC) unlocks liquidity with unmatched convenience and flexibility.
For Advisors
For Policyowners

iLOC: Unlock Whole Life Cash Value

The Inclined Line of Credit (iLOC) is a revolving line backed by whole life insurance. With the lowest minimum cash value requirement on the market, the iLOC opens access to previously unserved policyowners—while delivering a best-in-class customer experience.
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Next Day Draws¹
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Competitive rates
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No fees, ever

Inclined can currently accept policies from the following eligible carriers:
"Process seems smooth and allows for a good optimization of the cash value at a better cost than directly taking it from NW Mutual."
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Adam B.

iLOC Client

“The process was easy and straight forward.  The terms are good and it’s nice to have access to the funds we have invested in our whole life policy.”
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Chad A.

iLOC Client

"Process was easy and [Inclined’s] software worked well. Hooking up to my checking account was really cool. Nice interface."
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Heather W.

iLOC Client

"Everyone I encountered in getting my account set up [was] extremely proactive, timely and helpful. They provided simple instructions and made it a great experience."
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Clarence M.

iLOC Client

“Makes total sense and was very 'user friendly' to transfer the account from NWM to Incline[d]. Lower interest was a big factor.”
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David A.

iLOC Client

“This is a fantastic financial tool for anyone who has Life Insurance equity!”
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Benjamin T.

iLOC Client

“Ease of qualification and ease of use. No excess forms needed. Pay interest if desired. Overall quality of service and simplicity.”
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Tom L.

iLOC Client

“Easy to establish a LOC, easy to make draws on the LOC and easy to pay it off. Very convenient.”
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Patrick M.

iLOC Client

The Best Way to Access Cash Value

Inclined has built an innovative technology platform that makes it easier than ever to collateralize – or borrow against – the cash value of whole life policies while delivering some of the most competitive rates in the market.

Financial Advisors can introduce the Inclined Line of Credit (iLOC) to clients as a fast and flexible way of accessing the liquidity they need. Policyowners can also apply directly by providing their insurance agent’s information and policy details.

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Policyowners can start an application at inclined.com or receive an invitation to apply from their financial advisor.

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Complete the iLOC application with information about yourself and your whole life policy(ies).

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Financial Advisors provide requested policy documents to support the application.

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After signing documents, Inclined finalizes your application. Once approved, your line of credit is ready to use.

Get Started Today

Ready to get started with accessing insurance cash value? Whether you’re a Financial Advisor interested in introducing the iLOC to your clients, or a Policyowner with a liquidity need, we’ve made it easy for you to get started with Inclined.

Financial Advisors

Meet with Inclined to get signed up for the Advisor Portal and learn how to introduce your clients to the iLOC.

Meet with Inclined
Policyowners

Request an iLOC application directly. You’ll need to provide your insurance agent’s info and policy details.

Request an Application
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Once an Inclined Line of Credit is opened, policyowners can log in online to make draws via ACH to and from your linked bank account. Funds arrive at the borrower’s bank the next business day, fund availability subject to receiving bank’s policies. In some cases, it may take 2 business days.