About

Inclined Technologies offers a service called the Inclined Line of Credit (iLOC) that allows policyholders to access the cash value of their whole life insurance policies without withdrawing or borrowing directly. This service is designed for financial advisors to present to their clients as a quick and flexible way to obtain liquidity. Inclined generates revenue by charging interest on the lines of credit and aims to provide a simple and efficient process for establishing and managing these credits. The company currently supports policies from Guardian, Northwestern Mutual, and MassMutual, with plans to expand its offerings.

Simplify's Take

What believers are saying

• Inclined's recent $15 million Series A funding round, led by HSCM Ventures, positions the company for aggressive expansion and accelerated product development.
• The company's innovative approach to unlocking the cash value of whole life insurance policies can significantly enhance the value of these policies for policyholders.
• Inclined's partnerships with major carriers like Guardian, Northwestern Mutual, and MassMutual provide a strong foundation for growth and credibility in the market.

What critics are saying

• The company's reliance on a niche market of whole life insurance policyholders may limit its growth potential.
• Expanding to include more carriers and managing the collateral efficiently at scale could pose operational challenges.

What makes Inclined Technologies unique

• Inclined Technologies offers a unique service, the Inclined Line of Credit (iLOC), which allows policyholders to unlock the cash value of their whole life insurance policies without directly borrowing against them.
• The company focuses on a niche market by partnering with financial advisors to introduce the iLOC to their clients, providing a fast and flexible way to access liquidity.
• Inclined's platform addresses both the 'front end' problem of obtaining and structuring raw data from whole life carriers and the 'back end' problem of efficiently managing collateral.

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