Thank you
Please watch your email for your application link or meeting confirmation info.
Next, watch this 18-minute informational webinar for important information about the iLOC and everything you'll need to apply:
iLOC Eligibility & Next Steps
- Review our current iLOC Eligibility Requirements to be sure you and your policies will qualify.
- Please note that Inclined can only accept policies from our supported carriers at this time. If your carrier is not currently supported, we will notify you as soon as we expand to serve your needs.
- Watch your email for a response from us.
- If your policies are from a supported carrier, you'll receive an email with a link to apply.
- If your policies are not from our supported carriers, you will receive an email with that information.
- Check your SPAM filter in case our response lands there.
- If you receive an invitation to apply, you will need the following to submit your application:
- Your photo ID
- Your life insurance policy numbers
- A scanner, or a scanner app on your smartphone
- A printer
- For the best experience, apply using a desktop computer (not a mobile phone or tablet), and use Chrome as your web browser.
Downloadable Resources
What iLOC Clients have to say
"Process seems smooth and allows for a good optimization of the cash value at a better cost than directly taking it from NW Mutual."
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.”
Chad A.
iLOC Client
"Process was easy and [Inclined’s] software worked well. Hooking up to my checking account was really cool. Nice interface."
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."
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.”
David A.
iLOC Client
“This is a fantastic financial tool for anyone who has Life Insurance equity!”
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.”
Tom L.
iLOC Client
“Easy to establish a LOC, easy to make draws on the LOC and easy to pay it off. Very convenient.”
Patrick M.
iLOC Client
About Inclined
Inclined connects banks with borrowers to give whole life insurance policyowners a quick, cost effective way to borrow against the cash value they have built in their policies.
We’re not a bank. Inclined is a financial technology company that makes taking out a line of credit backed by a whole life insurance policy easier than ever.
The Inclined Line of Credit (iLOC) is a revolving line of credit designed to give policyowners the ultimate freedom and flexibility to use their money whenever and however they choose.