How are credit limits determined?

Credit limits are determined based on the type of policy used as collateral. Your credit limit is evaluated twice per year for every policy on your line.

Our underwriting process varies based on the type of policy.

Whole Life

For whole life policies, our underwriting is capped at the available loan amount for the policy.
Credit limits can be as high as 95% of the combined cash value of the policies if it does not exceed the available loan amount.
- Policies with premiums that are paid monthly, quarterly, or semi-annually, those with a higher ratio of total annual premium to cash value, or newer policies may have lower limits.

Universal Life

For Universal Life policies, our underwriting is based on the annual low point value for the policy.
Credit limits do not exceed the annual low point less an interest margin.

We're always working on ways to give our clients access to the credit they deserve. If you have any questions regarding our underwriting process, please reach out to our Support Team for additional information at support@inclined.com.