Generally, the maximum accumulated loan amount is a certain proportion between the cash value of the contract and the attached additional contract and the net amount after deducting the policy debt, and the specific proportion will be indicated in the contract. So you can check the cash value of the contract after five years. If there is no debt, multiply this amount by the loan ratio. Because you pay 1800 a year, it is almost 9000 in five years, and the general time is short, and the cash value will be less than the accumulated premium, so the loan amount will not exceed 9000 for your reference. Of course, you can also directly call the insurance company's service hotline 955 1 1 indicated in the policy to inquire about the specific amount.