Whole Life just got more

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 in their policies.

Dedicated customer support


Accounts stay open until you close them - no renewals needed!


Apply online in 15 minutes1


Establish a line of credit with a limit as low as $5,0002


No fees, ever


Receive drawn funds overnight3


Competitive rates


Established lines do not report to credit bureaus4


Interest may be tax deductible, please consult your tax professional.


Credit limit increase evaluations 2x per year5


Inclined accepts policies from eligible carriers only6 but we're expanding quickly!

Want to know more?

Schedule a 15-minute meeting with one of our Account Executives.

The Smart Liquidity Option

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

Examples of how our clients have used the Inclined Line of Credit:

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Real estate purchases

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Unplanned Capital Calls

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Unplanned expenses

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Business start up

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Home remodeling

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Debt restructure from higher rates

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Cash flow support

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Premium payments

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Tax payments

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Emergency fund

Why clients love iLOC


No income verification


Interest may be tax deductible5


Never need to re-apply to renew the line


Automatic credit limit evaluations


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 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

Say Goodbye to Servicing

With the Inclined Line of Credit, policyowners will have access to their cash value when they need it most, and Advisors don’t have to worry about cumbersome paperwork and ongoing servicing requirements. Our team becomes an extension of your own, and our Advisor portal makes viewing your client’s current status and iLOC details simple.


15-minute application process1


View your client’s iLOCs & status


Self-serve draws and payments

Eligible Insurance Providers

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

Expanding Availability

Every policyowner should have easier access to the cash value of their whole life policies. Our vision is to eventually serve all policyowners and policy types.

Inclined’s iLOC eligibility covers whole life policies from eligible carriers5. Advisors with these companies are able to introduce clients to Inclined and invite them to apply for an iLOC through the Inclined Advisor Portal.

For complete details on covered policies and eligibility requirements, schedule time to meet with one of our Account Executives today!

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 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.

4 To verify that an applicant qualifies for an Inclined Line of Credit, we will request authorization for a soft credit pull that will not affect the applicant’s credit score. If the applicant later agrees to a line of credit, at that time a full credit report will be obtained that may impact their score. We will tell them before this happens.

5 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.

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

Ready to start?

Sign up for an account on our secure Advisor Portal.