Inclined Line of Credit

Inclined makes it easy for permanent life insurance policy owners to access the cash value in their policies whenever they want, for whatever matters most. The Inclined Line of Credit (iLOC), is a revolving line of credit designed to give you that freedom and flexibility.

The Inclined app is an extension of our platform for existing iLOC clients, putting the power to view, draw from, and make payments on your iLOC account in the palm of your hand. It provides iLOC clients with faster, easier, and more intuitive access to the cash value in their permanent life insurance policies—anytime, anywhere.

FAST ACCESS TO FUNDS
Make draws from your active iLOC account that arrive the next day (in some cases it may take longer.)

PAY ANYTIME
Make payments on-the-go in just a few clicks from within the app.

MANAGE LINKED ACCOUNTS
View and manage connected bank accounts used for transfers.

ACCOUNT VISIBILITY
Check your credit limit, account balance, transaction history and view account documents anytime.

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NOT AN EXISTING iLOC CLIENT?
If you’re interested in accessing the cash value in your permanent life insurance policies, visit Inclined.com to learn more and apply today.
Permanent Life Insurance provides a powerful living benefit for policyowners by offering a smart liquidity option using the cash value in your policies. The Inclined Line of Credit offers efficient access to the cash that’s rightfully yours whenever you want it.

Features of the iLOC include:
- Apply online in about 15 minutes with no cumbersome financial disclosures
- Access up to 95% of your policy’s cash value
- Credit limits are re-evaluated automatically as your cash value grows
- Assign unlimited policies to a single line of credit
- Active iLOCs don’t show as outstanding debt on credit reports
- No required payments as long as there is room on your credit limit
- Evergreen lines stay open with no manual renewals required
- Competitive rates
- No fees, ever!