1. Prepare all the materials required for the loan, including the original personal ID card (if the applicant and the insured are not the same person, the original ID card of the insured should also be prepared), the original insurance policy, the bank card number and the information specified by the insurance company, and apply for a loan at the lending institution;

2. The staff of the lending institution accepts the application and reviews the materials;

3. After approval, the banking institution determines the loan amount and signs a loan contract with the borrower. After the contract is signed, the insurance policy will be left to the lending institution as collateral to issue loans;

4. The borrower shall repay the loan principal and interest as stipulated in the contract.

One year after the policy takes effect, you can apply for a high loan with a maximum cash value of 80%. Death insurance (the insured was under the age of 18 years old when he died)? Refund the premium paid, with annual compound interest of 2.5%.

The insured age is 30 days after birth (inclusive) -65 years old (inclusive); The payment method is one-time payment, with a minimum premium of 5,000 yuan, which is increased by an integer multiple of 1 1,000 yuan; The insurance period can be divided into five years, eight years and 10 years.

Extended materials are distributed in the form of cash dividends, and the contribution ratio of the generated surplus is distributed according to each dividend policy. The dividend distribution policy follows the principles of fairness, consistency and stability. During the validity period of the contract, according to the relevant regulations of the insurance regulatory authorities, the dividend plan is determined according to the actual operation of the dividend insurance business every year to ensure that the distribution ratio is more than 70% of the distributable surplus.

Dividends come from spreads, dead spreads, fees and other differences. The spread refers to the difference between the actual investment return rate and the evaluation interest rate, the dead spread refers to the difference between the actual mortality rate and the evaluation mortality rate, and the cost difference refers to the difference between the actual cost and the evaluation cost.

There is a hesitation period of 10 days from the date of signing this contract. During this period, you can terminate this contract, and we will refund the premium you have paid without interest.

If you apply to terminate this contract (surrender for short) after the hesitation period, please fill in the Contract Termination Application Form and provide us with the following information: (1) Insurance contract; (2) Legal and valid identification. When we receive an application to terminate the contract, the contract will be terminated.

We will return the cash value of this contract within 30 days from the date of receiving the application for termination of the contract. If you cancel the contract after the hesitation period, you will suffer some losses.

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