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With the lowest minimum cash value requirement on the market, it opens access to previously unserved policyowners—while delivering a best-in-class customer experience. Next Day Draws¹ Competitive rates No fees, ever Inclined can currently accept policies from the following eligible carriers: Learn More Trustpilot \"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 The best way to access cash value. Inclined has built an innovative technology platform that makes it easier than ever to collateralize – or borrow against – the cash value of life insurance policies while delivering some of the most competitive rates in the market. Financial advisors can introduce the Inclined Line of Credit to clients as a fast and flexible way of accessing the liquidity they need. Policyowners can also apply directly by providing their advisor's information and policy details. Policyowners can start an application at inclined.com or receive an invitation to apply from their financial advisor. Complete the application with information about yourself and your life policy(ies). Financial Advisors provide requested policy documents to support the application. After signing documents, Inclined finalizes your application. Once approved, your line of credit is ready to use. Cash value in the palm of your hand. Inclined’s new mobile app for iOS and Android puts your life insurance cash value in the palm of your hand. Now clients can view their accounts and make draws and payments on the go! Learn More Get Started Today Ready to get started with accessing insurance cash value? Whether you’re a financial advisor interested in introducing the Inclined to your clients, or a policyowner with a cash need, we’ve made it easy for you to get started. Financial Advisors Meet with a representative to get signed up for the Advisor Portal and learn how to introduce your clients to the Inclined. Meet with Inclined Policyowners Submit an application today. You’ll need your insurance agent’s info and policy details. Get Started 1 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 two business days. Trustpilot Inclined Line of Credit For Advisors For Policyowners Resources Blog About Us Contact Us Help Center Get Started Sign In Terms of Use e-Sign Consent Online Privacy Policy Privacy Notice NMLS Consumer Access © 2026 Inclined Technologies, Inc. All rights reserved. Inclined ® is a Registered Trademark of Inclined Technologies, Inc. Inclined Technologies, Inc. Nationwide Multistate Licensing System (\"NMLS\") ID #2296713. 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