At present, the loan period of the policy is generally 6 months, and the loan interest rate is reduced to be equivalent to the benchmark interest rate of the bank's half-year loan. Because the interest rate of personal consumption or commercial loans of banks generally rises by 20%~30% on the basis of the benchmark interest rate, this means that it is more favorable for customers to borrow from insurance companies with insurance policies than from other banks.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.