I. Handling Process When handling the loan procedures of Taikang Life Insurance Policy, the insured generally needs to go to the counter of Taikang Life Insurance Company with valid policy, original ID card and other materials. After accepting the application, the relevant personnel will review the information. If approved, the insurance company will determine the loan amount, sign a loan contract with the borrower, and then the insurance company will issue the loan. Two. Precautions 1. The premise of Taikang life insurance policy loan is that it has been insured for more than one year and the insurance account has cash value. Usually, the maximum loan amount provided by insurance companies is 70%-80% of the cash value of customers' policies. 2. Not all insurance policies can be loaned. Individuals who have purchased insurance policies with the nature of saving, such as life insurance, dividend insurance, endowment insurance and annuity insurance, can make corresponding loans in the form of policy pledge according to the cash value of the purchased insurance. 3. Taikang Life Insurance's policy loan is only suitable for short-term capital turnover, not suitable for high-risk investments such as stocks. 4. The policy loan of Taikang Life Insurance must be applied by the insured or the insured, and it is not allowed to be entrusted. The premium-free policy cannot be used for loans. This situation is more common in children's insurance.