Whole Life just got more
valuable.

The Inclined Line of Credit (iLOC) is a revolving line of credit designed to give whole life policyowners the ultimate freedom and flexibility to access the cash value you’ve built in your policies.
Apply online in 15 minutes1
Competitive rates
No fees, ever
Interest may be tax deductible4
Dedicated customer support
Receive drawn funds overnight2
Credit limit increase evaluations 2x per year3
Low, $5,000 minimum credit limit
Accounts stay open until you close them - no renewals needed!
Established lines do not report to credit bureaus

Eligible Insurance Providers

We accept policies from the following carriers. Check back frequently as we're expanding quickly!

Get Started Today

Ready to get started with accessing insurance cash value? Whether you’re a Financial Advisor interested in introducing the iLOC to your clients, or a Policyowner with a liquidity need, we’ve made it easy for you to get started with Inclined.

Financial Advisors

Meet with Inclined to get signed up for the Advisor Portal and learn how to introduce your clients to the iLOC.

Meet with Inclined
Policyowners

Request an iLOC application directly. You’ll need to provide your insurance agent’s info and policy details.

Request an Application

The Smart Liquidity Option

Whole Life Insurance provides a powerful living benefit by offering a smart liquidity option using the accumulated cash value in your policies. The Inclined Line of Credit offers efficient access to the cash that’s rightfully yours whenever you want it.

Examples of how our clients have used the Inclined Line of Credit:
Real estate purchases
Business start up
Cash flow support
Tax payments
Unplanned capital calls
Home remodeling
Tuition
Emergency fund
Unplanned expenses
Debt restructure from higher rates
Premium payments

Why clients love iLOC

no-income-verification

No income verification

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Interest may be tax deductible4

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No application fees or closing costs

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Automatic credit limit evaluations3

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Flexible payment options
"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_circle@3x

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_circle@3x

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_circle@3x

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_circle@3x

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!”
Benjamin_circle@3x

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_circle@3x

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

Liquidity at Your Fingertips

As a policyowner with an Inclined Line of Credit, you have access to your cash value whenever you need it – with overnight draws2 available through your online account access.

Advisors are also set free from ongoing servicing and paperwork. Our Advisor portal makes viewing clients’ current statuses and iLOC details simple.
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15-minute application process¹
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24/7 online account access
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Next-day draws and payments2

Get Started Today

Ready to get started with accessing insurance cash value? Whether you’re a Financial Advisor interested in introducing the iLOC to your clients, or a Policyowner with a liquidity need, we’ve made it easy for you to get started with Inclined.

Financial Advisors

Meet with Inclined to get signed up for the Advisor Portal and learn how to introduce your clients to the iLOC.

Meet with Inclined
Policyowners

Request an iLOC application directly. You’ll need to provide your insurance agent’s info and policy details.

Request an Application

Featured Resources
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

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.

3

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

4

Consult your tax professional.