[Abstract] Ping An Insurance Li Gang pointed out that the loan amount is converted according to the cash value of the policy, and the maximum amount does not exceed the cash value of the policy. The specific proportion varies from insurance company to insurance company, but it is generally set at around 70%. Dividend insurance can lend 90% of the cash value. Consultation content: 37 years old, pay more attention to protecting the content of this piece. Does the insurance company have the kind of insurance that can get a policy loan? Consultation netizen: Netizen (Ningxia) expert answer: Shenzhen Ping An Insurance Li Gang can, the loan amount is converted according to the cash value of the policy, and the maximum value does not exceed the cash value of the policy. The specific proportion varies from insurance company to insurance company, but it is generally set at around 70%. Dividend insurance can lend 90% of the cash value. The loan interest rate is generally based on the bank's loan interest rate, which may fluctuate slightly. The loan term is usually six months. After the loan expires, if the loan interest is paid, the loan term can be extended. On the premise that customers continue to pay fees, the validity of the policy will not be affected. Guangzhou Ping An Insurance Zhou Yuxin basically all products of every insurance company can be insured, but it is recommended to choose an insurance company with high dividend, so that the loan interest you pay when making a policy loan will be much less. Hello, Harbin Ping An Insurance Li Jing: Except for one-year products, you can borrow money. Just pay interest once every six months. The interests remain unchanged. Changchun Ping An Insurance Song Xiaoping Insurance Company has a loan policy. My suggestion is that you buy a dividend insurance so that you can borrow more money. The insurance agent must explain the details carefully. Hello, Wang Min, Wuhan Xinhua Life Insurance! Basically, all products of each insurance company can be insured by policy, but it is recommended to choose an insurance company with high dividends, so that you will pay much less loan interest when making a policy loan. I suggest you look at Xinhua's lucky star, with high security and low premium, and Wuxi Ping An Insurance can be returned twice when it expires. Dividend insurance can be loaned. But you must remember to pay interest after 6 months, and the validity of the policy will not be affected on the premise that the customer continues to pay. Universal insurance and investment-linked insurance can only be partially collected, and loans cannot be made. Hello, a friend from Yinchuan, Ningxia, Nanjing China Life Insurance Company. Generally, traditional main insurance can lend within the cash value of the policy. The new Insurance Law stipulates that the policy can be pledged, and the highest insurance company can lend 80% of the current balance of the policy at one time. The loan period is half a year, and the loan can be repeated. China Life's loan interest is not higher than the bank's loan interest for the same period. Other benefits of the policy are not affected. There is also insurance for bank or postal sales, which can be loaned to 90% of the cash value of the policy at the relevant designated bank.