Reliable. According to the inquiry of China Life Insurance official website, the policy loan of China Life Insurance is based on 80-90% of the cash value, the loan period is half a year, and the interest rate is around 4.5-5.5% per annum. You can go through the loan procedures yourself on the mobile APP, and the policy loan procedures are simple, convenient and reliable. China Life Insurance is a large state-owned financial insurance group and an important institutional investor in the capital market. Its business scope covers insurance, investment and banking.