: 1, policy loans generally require long-term policies, that is, 10, 20 or even 30 years. Like social security, a short-term policy that guarantees one year's consumption cannot be loaned. If you are not sure, according to the amount of the policy payment, you can know that the annual payment is less than 1000 yuan, which is basically short-term insurance. The procedure for handling a policy loan is very simple. The applicant only needs to bring the original policy, the original valid identity certificate and the policy loan application form, and go to the insurance company to handle it in person. Usually, the loan will be remitted to the bank account where the insured pays the premium, and the loan arrival time is generally 1-3 days.
2. Insurance policy is called "insurance policy". Written proof that the insurer and the applicant have signed an insurance contract. The main contents of the insurance policy include: (1) descriptions of the subject matter insured by both parties, including the name of the insured, the name of the subject matter insured and its storage place or state, the insured amount, the insurance period and the insurance premium. (2) The rights and obligations of both parties, such as taking responsibility and not taking responsibility. (3) Attention conditions refer to the insurance clauses or other conditions agreed by both parties, as well as the change, transfer and cancellation of the policy. Insurance policy is the main form of signing insurance contracts. In order to simplify the form, it can also take the form of prepaid insurance policy, insurance certificate or temporary insurance policy with legal effect.
The insurance policy must clearly and completely record the rights and obligations of both parties. The insurance policy mainly states the names of the insurer and the insured, the subject matter insured, the insured amount, the insurance premium, the insurance period, the scope of liability for compensation or payment and other specified matters. According to the applicant's application, the insurance policy is signed by the insurer and handed over to the insured. Insurance policy is the main evidence for the insured to claim compensation from the insurer when he suffers losses due to an accident, and it is also the basis for the insurer to collect insurance premiums.