Take Ping An Insurance as an example: as long as the main insurance contract is valid, you can apply for a policy loan at any time.

1. Loan amount: You can apply for a policy loan from our company, and the maximum loan amount is 80% of the cash value of the policy at that time.

2. Insured: the insured (if the insured and the insured are not the same person and the insured is not authorized, the insured must authorize);

3. Acceptance time: within the validity period of the policy;

4. Applicable restrictions: the terms can be applied for loans and there is no surrender rule for the main insurance.

5. Application place: local Ping An Insurance Customer Service Center.

6. When the applicant and the insured are the same person, documents shall be prepared:

Personal life insurance policy loan application

The applicant's identity document

Current settlement account in the name of the insured.

Extended data:

Customers who call our national unified service telephone number 955 1 1 shall meet the following conditions:

1. Advanced password permission has been enabled for personal customer password service;

2. The applicant and the insured are the same person, or the guardian of the insured, or the insured has authorized;

3. The original account of the policy is true and valid (the loan amount is transferred to the original account of the policy by default);

4. The amount of a single loan shall not exceed 50,000 yuan.