Inclined - For Policyowners

Every policyowner should have easier access to the cash value in their whole life policies – whenever they want for whatever matters most.

The Inclined Line of Credit (iLOC), is a revolving line of credit designed to give you that ultimate freedom and flexibility. iLOCs are currently available for policies from supported carriers¹ only, but check back frequently because we're expanding quickly!

Low minimums, high limits

You can establish a line of credit on a policy with as little as $25,000 cash value. Credit limits are up to 95% of the cash surrender value, based on the loan amount from your carrier. Inclined will also increase your credit limit for you 2 times per year².

Easy to apply and use

Our online application process takes about 15 minutes³, and once your account is active you can make next-day draws and payments online⁴.

Competitive rates, superior service

Inclined offers competitive rates and we’ll never charge you fees. In addition, our customer support team is responsive and dedicated to offering you an excellent experience throughout the life of your iLOC.

Active iLOCs don’t report to credit bureaus

When you borrow against the cash value of your whole life insurance policy, we don’t report it as outstanding debt to the credit bureaus.

No required payments

As long as there is room on your credit limit, interest payments are optional, giving you more flexibility and control over your finances. There is also no penalty for paying it off early if you choose. 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

"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

Real estate purchases

Unplanned Capital Calls

Unplanned expenses

Business start up

Home remodeling

Debt restructure from higher rates

Cash flow support

Tuition

Premium payments

Tax payments

Emergency fund

1 Supported carriers currently include Guardian, Northwestern Mutual, and MassMutual. Check back frequently as we're expanding quickly!

2 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.

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.

The living benefit of
Whole Life Insurance.

Every policyowner should have easier access to the cash value in their whole life policies – whenever they want for whatever matters most.

The Inclined Line of Credit (iLOC), is a revolving line of credit designed to give you that ultimate freedom and flexibility. iLOCs are currently available for policies from supported carriers¹ only, but check back frequently because we're expanding quickly!

Choose an iLOC to access your cash value

Low minimums, high limits

Easy to apply and use

Competitive rates, superior service

Active iLOCs don’t report to credit bureaus

No required payments

No fees ever

"Process seems smooth and allows for a good optimization of the cash value at a better cost than directly taking it from NW Mutual."

“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.”

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

"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."

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

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

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

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

Access your cash value whenever you need it

Request an iLOC Application

The living benefit of Whole Life Insurance.

Every policyowner should have easier access to the cash value in their whole life policies – whenever they want for whatever matters most.

The Inclined Line of Credit (iLOC), is a revolving line of credit designed to give you that ultimate freedom and flexibility. iLOCs are currently available for policies from supported carriers1 only, but check back frequently because we're expanding quickly!

Choose an iLOC to access your cash value

Low minimums, high limits

Easy to apply and use

Competitive rates, superior service

Active iLOCs don’t report to credit bureaus

No required payments

No fees ever

"Process seems smooth and allows for a good optimization of the cash value at a better cost than directly taking it from NW Mutual."

“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.”

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

"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."

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

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

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

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

Access your cash value whenever you need it

Request an iLOC Application

The living benefit of
Whole Life Insurance.

The Inclined Line of Credit (iLOC), is a revolving line of credit designed to give you that ultimate freedom and flexibility. iLOCs are currently available for policies from supported carriers¹ only, but check back frequently because we're expanding quickly!