The Inclined Line of Credit (iLOC)

Inclined is the best place to access your cash value. We believe every whole life policy should have an iLOC paired alongside it - you’ll never know when you will need access to your cash.

What is the Inclined Line of Credit (iLOC)?

The iLOC is a revolving line of credit secured by the cash value in your whole life policy. An iLOC is the most efficient way to access your cash value savings.

Why is Inclined better than borrowing from your carrier?

A rate up to 1.75% lower1 drives exponentially higher growth in your underlying net cash value and death benefit.

No required interest payments up to your credit limit.

The iLOC works just like a policy loan from your carrier, except with a lower rate. No interest payments required2, no late payments2, and we’ll never charge you any fees, you only pay the interest charged to you by Inclined’s bank partner.


As of Q4 2021 the policy loan rate at six of the largest carriers varied between 4.40% and 6.00%. Inclined’s lowest available Annual Percentage Rate (APR) is 3.25%, which is a variable rate indexed to the Prime index, as published in the Wall Street Journal (WSJ Prime), plus your margin. The lowest APRs are for the most qualified applicants based on factors such as policy size; rates will be higher for other applicants, which will reduce potential benefits as compared to a typical carrier policy loan.


When your account is active and in good standing, each month you can choose to pay interest or let interest accrue. There are no fees or penalties for accruing interest. Unpaid Interest will be added into principal on the due date. If the interest due would place your balance above your credit limit you may owe a minimum payment and capitalizing interest may not be permitted.