As the interest and principal of the loan have not been paid on time, China Taiping Real-time Loan is waiting to be paid. For those customers who need cash flow in a short time, policy loan is a good choice. The advantages mainly include: first, under the condition that the policy is valid, the customer can continue to enjoy the insurance protection stipulated in the policy during the loan period. Compared with surrender, the insured need not worry about losing protection due to surrender, and can avoid the loss of surrender fees. Second, the policy loan processing method is simple, and the insured only needs to bring the policy, valid identity certificate and the written consent of the insured to agree to the loan application to the insurance company in person. Taiping Life said that as long as the lender brings all the materials, the insurance company can complete the business on the same day.