Inclined - Advisor

Give your clients a fast, flexible way to access the liquidity they need with the Inclined Line of Credit (iLOC).

Our process is simple, and our online portal makes it easy for Financial Advisors to stay updated from the original application to after the line has been activated. Opening a new iLOC account can take as little as 10 business days¹.

Advisors join the inclined Advisor Portal

Advisors can introduce clients to Inclined via the Portal

Policyowners can move forward by applying online

Inclined processes the application and opens the account

“When I'm in a policy review… every single time, I'm showing [my clients] the amount of cash value they have, [and] I'm reminding that person how liquid it is.”

Keith Wagner

Northwestern Mutual Leading Producer

Watch our On Demand Webinar with Keith Wagner

Ready to get started?

Meet with one of our Account Executives to get set up on the Inclined Advisor Portal and begin introducing your clients to the iLOC.

Meet with Inclined

Low minimums, high limits

With a minimum credit limit of only $5,000², the iLOC opens access to most policyowners. Credit limits can be up to 95% of the cash surrender value, not to exceed the loan amount from the carrier. Inclined will also automatically reevaluate their credit limit for increases two times per year³.

Easy to apply and use

Clients can apply online in about 15 minutes¹. Once an account is active, they can make next-day draws and payments online⁴, and the account stays open until they decide to close it - no renewals needed! Best of all, you can see your clients’ accounts and application progress in your Inclined Advisor Portal account.

Competitive rates, attractive benefits

The iLOC offers competitive rates and enables clients to maintain their full dividend schedule and other policy benefits. Interest may be tax deductible, please have clients consult a tax professional.

Active iLOCs don’t report to credit bureaus

Unlike some banks, when borrowing against the cash value of a whole life insurance policy with Inclined, we don’t report it as outstanding debt to the credit bureaus. We only do one soft and hard inquiry on your credit report.

No required payments

As long as there is room on the credit limit, interest payments are optional, giving your clients more flexibility and control over their finances. There is also no penalty for paying it off early. Monthly interest charges can be paid in cash or capitalized into principal up to the available amount on the line of credit.

No fees ever

It’s that simple. Inclined will never charge your client any fees for their line of credit, whether they use it or not.

“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."

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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.”

David_circle@3x

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.”

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_circle@3x

Patrick M.

iLOC Client

Track your clients’ application statuses

View current rates

View open client accounts and balances⁵

Send client introductions with links to apply

Enable access for your entire team

See when docs are needed from your team

Meet with Inclined

1

Typical application times are 15 minutes. Application review and approval times are typically 1 business day, and funds can be available as quickly as 10 business days from completing an application. However, time estimates are contingent upon insurance carrier response times and may be longer.

2

Final underwritten line must be at least $25,000 in Washington D.C., $10,000 in New Mexico and Arizona, and $5,000 everywhere else. An unlimited number of policies can be combined to reach the minimum credit limit.

3

Credit limits are typically re-evaluated twice per policy year and generally increase with the value of the policy, however credit limit increases are discretionary and are not guaranteed.

4

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.

5

Clients can opt out of sharing this information with their Advisors, however over 90% continue to stay opted in.