Inclined makes it easier for whole life policyowners to access their cash value whenever they want for whatever matters most. Give your clients the freedom and flexibility they’re looking for with the Inclined Line of Credit (iLOC).
Inclined reduces the amount of paperwork and time required to access the cash value of whole life policies. We offer competitive rates, market-leading efficiency, and exceptional customer service.
Applying typically takes 15 minutes.1 We just need some basic information about the policyowner and their policies. We do the rest.
Inclined charges no setup fees, late fees, or any fees of any kind, you only pay the interest charged to you by Inclined’s lending partner.
When a new iLOC is opened, Inclined pays off the balance of any existing policy loan directly to the carrier.
Inclined is currently available via invitation only. Talk to your financial advisor about how to get started.
The typical applicant can apply for an iLOC using our online portal in around 15 minutes.
Once an Inclined Line of Credit is opened, policyowners can use our online portal to make draws that process overnight. Funds arrive at the borrower’s bank the next business day, fund availability subject to receiving bank’s policies.
The Inclined Line of Credit is currently available in all U.S. States with the exception of IA and MD.
Lines of credit processed through the Inclined platform are funded via Inclined’s state-chartered and national banks. THIS IS A LOAN SOLICITATION ONLY. INCLINED TECHNOLOGIES, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.