Easier Access to Whole Life Cash Value
Give Your Clients Freedom & Flexibility
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.
Introducing the iLOC
The Inclined Line of Credit (iLOC) is a revolving line of credit designed to give your clients the ultimate freedom and flexibility to get the most out of the cash value of their whole life policies.
- Establish a line on a policy with as little as $25,000 cash value
- Fast, online application process takes about 15 minutes1
- Make next-day draws and payments2
- Competitive rates
- No fees, ever
- Established lines do not report to credit bureaus3
Meet with Us for More Information
Why Refer Clients to Inclined?
Market Leading Efficiency
On average, Policyowners spend 15 minutes to apply for a line of credit1 and can typically begin drawing in as little as 20 days.
Ease Your Team’s Workload
Our new Advisor Portal makes it easy for you to invite your clients to apply for an iLOC and track the progress of applications.
Competitive Rates, Exceptional Service
Our secure and modern technology removes friction and allows our lending partners to drastically reduce their operating expenses. Those savings are passed on to your clients.
1 Typical application times are 15 minutes. Application review and approval times are typically 5 business days, funds are typically available within 20-40 business days from completing an application, however time estimates are contingent upon insurance carrier response times and may be longer.
2 Once an Inclined Line of Credit is opened, policyowners can use our online portal to make draws that process overnight. Funds arrive at the borrower’s bank the next business day, fund availability subject to receiving bank’s policies.
3 To verify you qualify for an Inclined Line of Credit, we will request your authorization for a soft credit pull that will not affect your credit score. If you later agree to a line of credit, at that time a full credit report will be obtained that may impact your score. We will tell you before this happens.