Refinance Your Policy Loan.

Our rates are up to 1.75% lower1 and could save you tens of thousands2. Unleash the full power of your whole life cash value with the Inclined Line of Credit (iLOC) with variable Annual Percentage Rates (APR) from 3.25% - 5.00%3.

  • Up to 1.75% Lower Rates1
  • Zero Fees
  • Simple Online Experience

Why refinance with Inclined?

Inclined offers rates up to 1.75% lower than the rate you are paying on your current policy loan. A lower rate drives exponentially higher growth on your underlying whole life cash value.

How long will it take?

Applying takes 15 minutes4. We just need some basic information about you and your policies. We do the rest.

What are the fees?

Inclined charges no setup fees, late fees, or any fees of any kind, you only pay the interest charged to you by Inclined’s bank partner.

What happens next?

With your new iLOC open, Inclined pays off the balance of your existing policy loan directly to your carrier.

Example Outcome

A policyholder with an existing carrier policy loan of $80,000 on a whole life policy with $127,000 in gross cash value.

If they leave their current carrier policy loan outstanding, at policy termination (age 100) they’ll have $73,039 in net cash value and death benefit. With the same loan refinanced with an Inclined iLoc at a lower rate (*), at policy termination they’ll have $793,951 in net cash value and death benefit. Spending 15 minutes on Inclined results in a 10x difference in net cash value and death benefit.

Graph showing money saved over time

(*) This chart is an illustration of potential benefits based upon an iLOC rate of 3.25% APR vs. carrier policy loan rate of 5% APR. iLOC rate is variable, and indexed to the WSJ Prime rate, with a margin range between -.75% and +1.00%. Changes in the indexed rate over the term of the iLOC may positively or negatively impact benefits compared to a carrier loan.

Have an account?

Interested in learning more?

For Borrowers

Inclined is currently available via invitation only. Talk to your financial advisor about how to get started.

For Advisors

Would you like to offer iLOC to your whole life clients?


As of Q4 2021 the policy loan rate at six of the largest carriers varied between 4.40% and 6.00%. Inclined’s lowest available Annual Percentage Rate (APR) is 3.25%, which is a variable rate indexed to the Prime index, as published in the Wall Street Journal (WSJ Prime), plus your margin. The lowest APRs are for the most qualified applicants based on factors such as policy size; rates will be higher for other applicants, which will reduce potential benefits as compared to a typical carrier policy loan.


When paying interest each month, a $100,000 balance on an Inclined Line of Credit at 3.25% would accrue $26,000 in interest over a typical 8 year line duration, a savings of $14,000 over a direct policy loan from the carrier, which at a rate of 5.00% would accrue $40,000 in interest over the same 8 year line duration.


Inclined Line of Credit rates are variable rates indexed to the WSJ Prime rate, the margin to the Prime rate ranges between -0.75% to +1.00%. For example in Q4 2021 with a WSJ Prime of 3.25% and a margin of -0.75%, the corresponding APR is 2.50%.


Typical application times are 15 minutes. Application review and approval times are typically 5 business days, funds are typically available within 10-14 business days from completing an application, however time estimates are contingent upon insurance carrier response times and may be longer.

The Inclined Line of Credit is available in AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, and WY with more states to come.

Lines of credit processed through the Inclined platform are funded via Inclined’s state-chartered and national banks.

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