Hello! The policy loan can be 80% of the cash value of the loan. See if your Ping An account pass is advanced. If it's advanced, you can handle it there. If not, you must contact your policy service personnel to handle it for you.
Second, how to borrow the insurance policy?
General policy loans can only be applied to the insurance company with the consent of the insurance company, and the maximum loan amount is 80% of the cash value of the policy at that time.
Take Ping An Insurance as an example. The ways to apply for policy loans are as follows:
1. Bring valid personal identification documents and insurance policies to Ping An Insurance Customer Service Center or cooperative banks;
2. Entrust a salesman to handle it, and you need to provide a power of attorney, an applicant's ID card, an agent's ID card, an application for a policy loan, etc.
3. Handling by mail, including the loan application form and a copy of the applicant's ID card;
4. Ping An official website Ping An Zhang Tong online self-service, just fill in the information and materials according to the requirements of the page;
5. The customer service telephone number is 955 1 1. Personal customer password service is required, with advanced password permission, and the policy account is true and valid. The amount of a single loan cannot exceed 50,000.
3. How to borrow Ping An Insurance?
Ping An Insurance Loan Method:
During the validity period of the main insurance contract, with the consent of our company, you can apply for a policy loan with a maximum amount of 80% of the cash value of the policy at that time. If you need it, you can get a loan through this project.
Customers go to the customer service center to consult the customer service center of China Ping An Life Insurance Company of China Insurance Company and the cooperative bank, and make an appointment to go to the counter.
Documents to be prepared:
When the applicant and the insured are the same person:
Application for change of insurance contract (policy loan/repayment)
Identity documents of the insured.
A current settlement account with the applicant as the account name.
When the applicant and the insured are different persons:
Application for change of insurance contract (policy loan/repayment) (if the insured is not authorized, it must be signed by the insured)
Identity documents of the insured.
A current settlement account with the applicant as the account name.
The identity certificate of the insured
The customer entrusts a salesman or other person to handle it at the customer service center.
Documents to be prepared:
When the applicant and the insured are the same person:
Application for change of insurance contract (policy loan/repayment)
certificate of appointment
Identity documents of the insured.
Agent's ID card
A current settlement account with the applicant as the account name.
When the applicant and the insured are different persons:
Application for change of insurance contract (policy loan/repayment) (if the insured is not authorized, it must be signed by the insured)
certificate of appointment
Identity documents of the insured.
The identity certificate of the insured
Agent's ID card
A current settlement account with the applicant as the account name.
Expand knowledge:
applicant
Applicant (when the applicant and the insured are not the same person and the insured has no authorization, the insured must authorize)
Acceptance time
Within the validity period of the policy
Important note:
1. If the insured has been authorized, there is no need to authorize again;
2. When entrusting a salesman, the trustee is limited to the service personnel of any valid policy under the customer's name;
3. When entrusting others to handle the matter, the trustee shall be limited to the applicant's parents, spouses, children and other immediate family members.
List of interest rates for policy loans and self-raised funds
4. How does Ping An policy get loans from insurance companies?
It's been several years and six years, but the money is less, one year 1962 yuan.
If you have cash value in the contract, you can ask the company to provide services, and the telephone loan should not exceed the cash value.