1, the policy can be loaned. Generally, the loan can only be obtained after underwriting for more than 2 years, and the maximum loan amount can reach 95% of the cash value. Ping An's insurance is generally not that high.

As for the expenses you have to deduct every year, it depends on what insurance you buy. If it is universal insurance, the deduction will be more. In the first year, only 50% of the premium will go into your account, and in the second year, only 75% will go into your account, and the account management fee (also called guarantee fee) will be deducted every month.

The dividend of each company is uncertain, and the annual dividend depends on the profit of the company in the previous year. Ping An's total return on investment was 2.9% last year, ranking second to last among the six listed insurance companies.

4. Personally, I suggest that buying insurance should follow the principle from guarantee to dividend.