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Inclined Technologies

Provides policyholder liquidity via iLOC

Product Manager

Full-TimeUpdated on 10/24/2026
No salary listed
Mid
Denver, CO, USA
HybridHybrid: in office and work from home; relocation support is available.
ProductProduct Management

About the job

Requirements
  • At least 4 years of experience in product management, including work on complex product features alongside engineering and design teams.
  • Ability to operate collaboratively with shared ownership across teams and product areas.
  • Strong execution skills and attention to detail.
  • Strong analytical skills and data fluency; SQL background is preferred.
  • Ability to operate amid ambiguity and take ownership of outcomes.
  • Technical fluency and ability to collaborate effectively with senior engineering teams.
  • Ability to manage multiple projects simultaneously in a fast-paced environment.
  • Desire to grow as an individual-contributor product manager, taking on increasing ownership and scope over time.
Responsibilities
  • Own feature development end-to-end, driving features from concept through launch, including scoping, requirements gathering, testing, rollout, feedback collection, and iteration.
  • Develop product briefs and product requirements documents with clear requirements and acceptance criteria, incorporating input from engineering, design, operations, and other business stakeholders.
  • Partner with engineering and design to ensure smooth collaboration, unblock issues, and maintain development velocity throughout the product lifecycle.
  • Coordinate with operations, customer success, sales, revenue operations, and marketing to support successful product launches and adoption.
  • Conduct user research through interviews, surveys, and data analysis to inform product decisions and roadmap prioritization.
  • Develop dashboards, monitor key performance indicators, and support experimentation to improve product outcomes.
  • Contribute across multiple areas of the product roadmap, with the opportunity over time to develop ownership over a dedicated product area and engineering team.
Desired Qualifications
  • Experience in fintech or business-to-business software as a service.

About the company

Inclined Technologies provides a liquidity option for life insurance policyholders through the Inclined Line of Credit (iLOC). Financial advisors introduce the iLOC to clients, who can apply online after accepting an invitation via Inclined’s Advisor Portal. The iLOC lets policyholders access the cash value of whole life policies without cashing out or taking traditional loans, funded as a line of credit. The company earns interest on drawn amounts. MINIMUM LOC amounts vary by state (roughly $5,000 to $25,000) and the product supports policies from Guardian, Northwestern Mutual, and MassMutual, with plans to add more carriers. This setup aims to provide a fast, flexible, and cost-effective way to obtain liquidity, with the advisor network guiding clients through a smooth application and draw-and-payback process.

Company Size

11-50

Company Stage

Series B

Total Funding

$27M

Headquarters

San Francisco, California

Founded

2020

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Simplify's Take

What believers are saying

  • Inclined closed an $8 million Series B in August 2025, led by HSCM Ventures.
  • Crunchbase reported more than 2,000 insurance professionals recommending iLOC by August 2025.
  • Inclined said August 2026 carrier expansion remains active, broadening distribution beyond current issuers.

What critics are saying

  • Carrier concentration leaves Inclined vulnerable if Northwestern Mutual, Guardian, or MassMutual pull support.
  • Insurance lending faces state-by-state licensing and disclosure scrutiny; one enforcement action slows growth.
  • If advisors prefer existing policy loans, iLOC volume stalls and the underwriting model breaks.

What makes Inclined Technologies unique

  • Inclined’s iLOC turns whole-life cash value into digital liquidity within minutes.
  • Advisor Portal embeds product distribution inside financial-advisor workflows, not consumer marketing alone.
  • Carrier integrations with Northwestern Mutual, Guardian, and MassMutual create hard-to-replicate underwriting rails.

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Benefits

  • Health Insurance
  • Stock Options
  • Paid Vacation
  • Hybrid Work Options

Growth & Insights and Company News

6 month growth

0%

1 year growth

-2%

2 year growth

2%
StreetInsider
Aug 12th, 2025
Inclined Technologies Raises $8M Series B

Inclined Technologies announced the close of its $8M Series B funding round, led by HSCM Ventures and Northwestern Mutual Future Ventures. The funding will enhance Inclined's platform, which simplifies liquidity access to whole life insurance policies through a digital process. The platform offers a secured line of credit, collateralized by policy cash value. The new capital will expand Inclined's technology, team, and reach to more carriers and policyowners nationwide.

Crunchbase
Aug 12th, 2025
Exclusive: Insurtech Startup Inclined Raises $8M For Offering That Was 'Historically Reserved For The Wealthy'

Inclined Technologies, a fintech startup that lends against whole life insurance policies, has raised $8 million in a Series B funding round, the company told Crunchbase News exclusively.

Intelligence360 News
Oct 27th, 2022
Sausalito California Based Inclined Technologies Is Raising $18,963,363.00 In New Equity Investment.

Sausalito, CA – According to filings with the U.S. Securities and Exchange Commission, Inclined Technologies is raising $18,963,363.00 in new funding. Sources indicate as part of senior management Chief Executive Officer, Joshua Wyss played a key role in securing the recent investment and it will aid in aggressively expanding the company, as well as broaden and accelerate product development. About Inclined Technologies

Coverager
Sep 23rd, 2022
Inclined Raised $15 Million

Inclined Technologies has closed a $15 million Series A funding round led by HSCM Ventures , with participation from Anthemis Group. Its first product is the Inclined Line Of Credit (iLOC) – a way to access whole life cash value. Founded in 2020 and a team of ~13, Inclined helps policyholders realize more value out of their whole life investment by giving them quick and efficient access to the equity they have built in their whole life policy. Its platform addresses two inherent problems with the way the market currently operates – the “front end” problem of obtaining and structuring the raw data from whole life carriers, and the “back end” problem of efficiently managing the collateral in a way that can deliver assets at scale to our financial institution partners

The Insurer
Sep 23rd, 2022
Anthemis Group invests into Inclined in $15M

Life insurance platform Inclined Technologies has closed a $15mn Series A funding round, led by HSCM Ventures with participation from Anthemis Group as well as several new and existing investors.