you can't apply for a loan without a clear source of work income, but you can apply for a loan if you have an insurance policy under your name. Application conditions of policy loan:

1. The policy has been in effect for more than 6 months;

2. The insurance policy has certain commercial value;

3. The policy has not been paid in the past two years;

4. The lender's credit status is good, and there is no malicious overdue record;

5. The lender has a stable source of work income;

6. Other conditions stipulated by the bank.