Annuity insurance of RMB 200,000 per year can be loaned at 70%-90% of the cash value of the policy. According to relevant public information, annuity insurance can provide policy loans, and the amount of money that can be borrowed is 70%-90% of the cash value of the policy agreed by the company. It is worth noting that the loan can only be the cash value of the policy. If the payment period is only one year, the cash value will not be high.