1. Prepare relevant materials, including valid identity documents, bank cards, original and copies of insurance policies, etc.

2. Go to China Life Insurance Customer Service Center or cooperative bank outlets, fill in the application form and loan contract of China Life Insurance, submit relevant materials, and conduct face recognition and SMS verification code verification.

3. After approval, determine the loan amount, interest rate and term, and sign relevant agreements.

4. Leave one original and one copy of the insurance contract as collateral in the lending institution and get the loan certificate.

5. Repay regularly within the agreed time and get back the collateral.