What are the conditions of Pacific insurance? What is the policy process of Pacific Insurance? By the end of 20 15, the policy loan business of the four major listed insurance companies had reached 1 100 million yuan, and China Taibao WeChat online application for policy loan has been attracting much attention. Next, let's learn more about the basic situation of Pacific insurance policy loans.

I. Loan Conditions of Pacific Insurance

1. The insurance clauses shall indicate that the policy has the loan function, is effective and has.

2. Provide the original valid identification certificates of both the investor and the insured, which need to be signed by both parties. If the insured is a minor, it shall provide the household registration book and the guardian's ID card, which shall be signed by the guardian.

3. The loan amount shall not exceed 80% of the cash value of the insurance policy under this contract after deducting all debts, and the longest loan period shall not exceed 6 months.

Second, the Pacific insurance policy loan process

1. Counter handling: bring relevant materials to the company counter to apply for a loan. After the approval, you can apply for a policy loan and get the money.

2. Online processing: Just log in to official website of Pacific Insurance (search for policy loans) or log in to Pacific Online Mall (after online registration, upload information such as ID card and my photo, and become a senior certified member after approval. Click the mouse to make policy loans, and the loan amount will be paid to the designated bank account within a few days.

3. WeChat processing: Pay attention to the WeChat service number of "China Pacific Insurance", enter "My Loan", bind the identity, and complete the policy loan demand according to the prompts.

4. Mobile phone processing: download the mobile phone app, log in to the online policy loan service, fill in relevant information, complete various prompts, and realize the policy loan.

Can Pacific Life handle the loan business by mobile phone on Sunday?

You can't.

First, Saturday and Sunday are normal rest hours, and the back office of Pacific Insurance Company generally does not go to work. I can't handle so many businesses.

Second, but you can use your customers' energy to contact salesmen in other places and prepare some materials.

Third, because the insurance company doesn't work in the office, it can only wait until the working day to handle business normally.

Don't Pacific Life have a loan policy?

Of course. Pacific insurance can be loaned, and the loan that can be purchased is a policy loan, which refers to a loan that is applied to an insurance company or bank with the insured policy as collateral, and belongs to a policy loan in classification. The so-called policy loan refers to a loan method in which the insured mortgages the policy he holds to the insurance company and obtains funds according to a certain proportion of the cash value of the policy. Because the customer's insurance protection is not affected in this process, the policy is still valid.

How to borrow a Pacific insurance loan?

However, if you have purchased Pacific Insurance and have a policy, users can choose to mortgage the policy to an insurance company or bank. If you choose an insurance company, the insured who needs a loan will bring his ID card, insurance policy and bank account to the counter of China Pacific Insurance Company. If you choose a bank, users can call the official customer service of Pacific Insurance Company, and then go to the bank with the insurance policy, bank card and my ID card.

At present, the loan of the policy is based on 80% of the cash value of the policy, and the loan does not affect the policy rights. Insurance can be loaned. Simply put, it is to apply for a loan from an insurance company with the insurance policy as collateral. The longest term of each loan is 6 months, and you can go to the insurance company to pay interest once every six months.

To apply for a policy loan, the following conditions are required:

1. The applicant should be between 18-60 years old and be a legal citizen of Chinese mainland;

2. The applicant has a fixed residence and a stable job, and has the ability to repay;

3. The applicant's credit information is good and there is no bad credit behavior;

4. The insurance policy held by the insured must have cash value and have been insured for more than two years;

5. The policy loan must be applied in person and cannot be handled by others.

1. How to apply for a policy loan?

Compared with other loan methods, the procedure of policy loan is relatively simple, usually without guarantor, collateral audit and income proof, and the loan speed is faster.

Under normal circumstances, when the insured goes to the insurance company or bank to handle the policy loan business, he needs to bring the insurance policy, insurance payment invoice, ID card, passbook and other materials. It should be noted that this business must be signed by the insured. If the insured cannot be present in person, he may also issue a written statement to the insured in advance agreeing to the loan application.

For friends who need loans, Bian Xiao suggested that you confirm the relevant information with insurance companies and banks in advance.

2. Can you still make claims during the policy loan period?

During the policy loan period, if an insurance accident occurs, will the insurance company still pay the claim?

In fact, the policy is still valid during the pledge period. If an insurance accident occurs during the loan period, the insurance company still has to pay the claim, but before paying the claim, it needs to deduct the principal and interest owed.

Three. Matters needing attention in policy loans

Policy loans have a short term and generally need to be repaid within 6 months. If the borrower fails to repay the loan in time as agreed in the contract, it will not only pay the penalty interest, but also the policy will be permanently invalid when the principal and interest of the loan reach the surrender amount.

Therefore, although the policy loan can alleviate the short-term capital demand of the insured, Bian Xiao still suggests that you handle this business cautiously. If you apply for a policy loan, you must repay it on time, otherwise you will face triple losses such as penalty interest, invalid policy and poor credit information.

How to get a loan from Pacific Insurance?

1. Submit loan application: The applicant goes to the bank outlet with cash value Pacific insurance policy, personal ID card, income certificate and other materials to apply for policy mortgage loan from the staff.

2. Bank audit: After receiving the application materials, the bank staff will verify the applicant's information and evaluate the applicant's qualification.

3. Sign the policy mortgage loan contract: After approval, the applicant will go to the bank business hall to discuss the loan amount, loan interest rate and repayment period with the staff and sign the loan contract.

4. Lending: The bank issues loans to the bank card account designated by the applicant within the time limit stipulated in the contract.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the risk review of microfinance

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Third, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

This concludes the introduction of mobile phone Pacific life insurance loan and Pacific life insurance loan. I wonder if you found the information you need from it?