Hello! Generally speaking, if the insurance you buy has the function of policy loan, you can borrow money, but its cash value is very small. You can look at the cash value table on the insurance policy, which will help you. Generally speaking, the maximum policy loan does not exceed 80% of the cash value of the policy. Generally speaking, the steps of policy loan are as follows:

1. Prepare all the information required for the insurance policy, including the original personal ID card (if the applicant and the insured are not the same person, the original ID card of the insured should also be prepared), the original insurance policy, the bank card number and the information specified by the life insurance company, and apply for a loan at the counter of the life insurance company.

2. The counter staff accepts the application and reviews the information.

3. After approval, the insurance company determines the loan amount and signs a loan contract with the borrower. After the contract is signed, the insurance policy is left to the insurance company as collateral, and the insurance company issues loans.