Insurance companies provide capital turnover by using insurance policies as collateral loans. Policy loan refers to a loan method in which the insured mortgages the policy he holds to the insurance company and obtains funds according to a certain proportion of the cash value of the policy. Since the customer's insurance protection is not affected in the process of pledge loan, the policy is still valid.

Short-term accident insurance and health insurance, because there is no cash value, or the cash value is very low, such policies can not be used for policy loans. Although cash value is an important factor in evaluating whether a policy can be loaned, it is not only the policy with high cash value that can be loaned. The most typical example is linked insurance.

As for whether the insurance policy you hold can be used as a mortgage loan, it depends on the types of insurance and the value of the policy, as well as whether the insurance company accepts the policy loan business. You can consult the insurance company specifically, and there will be a special customer service staff to answer.