How are credit limits determined?

Credit limits can be up to 95% of the cash surrender value, not to exceed the loan amount from your carrier. Inclined will also reevaluate your credit limit for you two times per year.

Our underwriting is based on the available loan amount (less any applicable margins of safety) as we never want to be a position of having to surrender a policy to recover a balance owed to a lender partner under any scenario. Credit limits can be as high as 95% of the combined cash value of the policies, however 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.

We're always working on ways to give our clients access to the credit they deserve. If the policy includes a SOPE rider, please reach out to our Success Team for additional information at Success@inclined.com