You can borrow it. But it depends on what kind of insurance policy you have, how much premium you pay each year, how long you have paid it, and so on. You can bring your ID card, insurance policy and bank card to the customer service hall of Ping An Company. It usually takes 3~7 working days, sometimes faster. Download the China Ping An Life Insurance Company of China Insurance Company app on your mobile phone, and you can apply for a loan with one account.