You can't. The reason is that short-term accident insurance and health insurance can't be loaned because they have no cash value or the cash value is very low. In addition, medical expenses insurance, property insurance and children's insurance with premium exemption function that do not have mortgage conditions cannot apply for loans. Investment-linked insurance with a premium of more than 6,543,800 yuan can quickly accumulate considerable cash value, but its value cannot be determined with the price fluctuation of the investment unit, so it is generally impossible to make policy loans.