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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
"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
Everything that happens in your life, good or bad, affects your finances. Whole Life Insurance provides a powerful living benefit for policyowners by offering a smart liquidity option using your cash value.
Examples of how our clients have used the Inclined Line of Credit:
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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.