Noise and drive loss 4X4 on steep inclines. 2005 Rancher 400 ES

On three occasions when slowly going up very steep inclines a noise (kind of like gears stripping?) comes from the front end or the engine and the ATV stops pulling. If I let off and stop and go again, it will move several feet and repeat. These hills are almost too steep to walk up and it was suggested that the oil might be pooling in the motor/drive train and exposing gears/clutches. If I’m on a reasonable grade, I can start/stop go fast or slow and no issues. I was also told that no ATV should be on some of these hills because they are too steep. Not sure if it’s only when in 4X4 but wouldn’t try the hills in 2WD.