Revolutionize the way
people access the cash
value in their policies.

Financial Advisors can introduce the Inclined Line of Credit (iLOC) to clients as a fast and flexible way of accessing the liquidity they need.

Our process is simple, and our online portal makes it easy for Advisors to stay updated from the original application to after the line has been activated. Opening a new iLOC account can take as little as 10 business days1.


Advisors join the Inclined Advisor Portal



Advisors can introduce clients to Inclined via the Portal

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Policyowners can move forward by applying online

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Inclined processes the application & opens the account

Getting started for Advisors

iLOC Process for Policyowners

Once an Advisor has sent an introduction for their client to apply for an iLOC, our team helps guide policyowners through the process of opening an iLOC account. Our customer success team has an outstanding rating from hundreds of happy iLOC Clients.

Want to know more?

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

Eligible Insurance Providers

We currently accept policies from Guardian, Northwestern Mutual, and MassMutual. Check back frequently as we're expanding quickly!
Stay informed!

We’re always working to expand availability of the iLOC to additional policyowners and carriers. Subscribe to our newsletter to stay updated as we grow.

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 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.