First of all, you should confirm whether the insurance products you buy have the function of "policy loan". If the insurance product pays the premium for two years, it has cash value. Generally, it is 70% of the cash value if you borrow from an insurance company, and 80% of the cash value if you borrow from a bank. During this period, the insurance policy will be mortgaged to the insurance company or bank, and you can't receive dividends and survival money, but the insurance liability will continue to be effective.