China Life insurance policy loan limits have declined due to the decline in post-loan cash values. China Life policy loan is 80% of the cash value of the policy, not the premium. The policy loan is 80% of the cash value, and the policy cash value will decrease. The policy loan term is 6 months and the policy loan interest rate is 5.5%. Loans can only be handled by the policy holder and are not entrusted. If the policyholder and the insured are not the same person, the insured needs authorization.