1, the process is simple. As long as a policy and simple personal information can be handled, unlike credit loans, policy loans are pledged loans, while financial institutions have lower requirements for other information. Even some banks have self-service operation, which is very convenient.

2. The interest rate is very low. Because the policy has cash value and the risk of bank loans is small, it will give a lower interest rate, much lower than credit loans.

3. The policy utilization rate is high. Life insurance, dividend insurance, endowment insurance, etc. , not only can enjoy security and dividends, but also can be used for mortgage loans, helping users without asset collateral to obtain higher loans.