You can apply for policy credit loans at bank outlets or loan institutions' offices. To apply for this loan, you must first meet the following conditions: the insurance policy must have cash value, be insured for more than half a year continuously, and the insured amount should not be lower than that of 200 yuan. It is necessary to bring personal identification cards and other relevant certification materials and insurance materials to the business outlets for acceptance and specific approval by the staff, and will be audited by inquiring about personal credit reports and on-the-spot investigations. After the examination and approval, both parties sign a loan contract and go through the registration formalities of insurance policy pledge. The maximum amount of general policy loans is 70%-80% of the cash value of the policy.

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