To borrow Ping An Zhifu Life B, you need to apply for a loan from Ping An Insurance Company and fill in the corresponding application form. The insurance company will examine the borrower's application, including the borrower's credit report, income, repayment ability and so on. After approval, the insurance company will sign a loan contract with the borrower, specifying the loan amount, interest rate, repayment period and other related terms. After the contract is signed, the insurance company will pay the loan amount to the account designated by the borrower as agreed. The borrower needs to repay the loan on time according to the repayment plan agreed in the contract, including principal and interest.