Now, more and more people buy Ping An insurance. Many people will choose policy loans after buying insurance. Today, I would like to introduce you to the matters needing attention of Ping An policy loan. 1. Among the insurance policies, only life insurance policies can be used as policy loans. Life insurance contracts of savings nature, such as life insurance, investment dividend insurance and endowment insurance, have certain cash value as long as the premium paid by the insured exceeds 1 year. 2. Under normal circumstances, the amount of the policy loan will not exceed 80% of the cash value of the policy, and the cash value of the policy is related to the specific types of insurance, the insurance premium paid and the insurance period. If the accumulated insurance premium is more and the insurance period is longer, the amount of the policy loan will be higher. 3. During the loan period of the policy, if the policy has survival payment and guarantee refund, the system will automatically repay all or part of the loan. 4. If there are reasonable claims during the policy loan period, the claims will be used to repay the policy loan first, and the claims department will notify the security guard to use the claims to repay all or part of the policy loan. The repayment time shall be subject to the time when the adjuster registers the claim.