To clarify your question, there are three situations in your policy, 1. If you don't pay the premium, the validity of the policy will be suspended and your loan will still be repaid at normal interest. Your insurance policy is within 60 days after the payment date. If you are in danger, the insurance company will pay for it, but you must pay the premium. 2. The policy has been suspended, that is, the payment has not been made after 60 days from the payment date, and I want to apply for a policy loan. In this case, loans are usually not available. 3. Based on the analysis of the second case, you can pay the premium to make the policy effective, or you can apply for a policy loan. If the insurance premium has not been paid for two years and the contract has expired, you can apply to the insurance company for a refund of the cash value of the policy, and you can no longer borrow money from the policy.