Policy loan requirements are generally subject to the provisions of insurance companies, but generally meet the following conditions:

1. This policy has been in effect for more than six months;

2. The cash value of the policy is high, but there are exceptions, such as investment-linked insurance, whose cash value fluctuates with the investment unit and cannot be determined. Therefore, although its cash value is high, it is impossible to run a policy loan;

3. The insurance policy has not paid the premium in the past two years;

4. The lender has a relatively stable source of income.

Generally speaking, policy loans can lend 70% to 80% of the cash value of the policy.