Legal analysis: Sunshine insurance loan is legal. Sunshine Insurance Company Policy Loan: 1. Policy loans are handled in a simple way. The insured only needs to bring the insurance policy, valid identity certificate and the written loan application form of the insured to go to the insurance company in person.

Legal basis: Article 186 of the Criminal Law of People's Republic of China (PRC), the crime of illegally issuing loans refers to that the staff of banks or other financial institutions issue loans in violation of state regulations, and if the amount is huge or heavy losses are caused, they shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan.