Minsheng insurance company can only handle the policy cash value loan, that is, 80% of the loan cash value. Cash value loans can meet the needs of small capital. If you want to apply for a large loan, you can use the policy credit loan and take the policy to the bank to apply for a credit loan. The loan policy requires an annual premium of more than 2,500 yuan, which is a long-term insurance. At present, the insured has not been interrupted or replaced during the payment period. Although the loan from Minsheng Insurance Company will not affect the policy rights and interests, if it is a cash value loan, the loan amount will be deducted in case of serious illness insurance or death claim.