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 is advanced, you can handle it there. If not, you must contact your policy service personnel to handle it for you.
Second, how to borrow an 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 A Zhang Tong online self-help, 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 authority, and the policy account is true and effective. The amount of a single loan cannot exceed 50,000.
3. How to borrow the Ping An policy?
Ping An Insurance Loan Method:
During the validity period of the main insurance contract, you can apply for a policy loan with the maximum amount of 80% of the cash value of the policy at that time with the consent of the company. You can borrow money through this project if necessary.
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, the insured must sign it)
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, the insured must sign it)
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
Policy-holder (if the policy-holder and the insured are not the same person and the insured is not authorized, the insured must authorize)
Acceptance time
Within the validity period of the policy
Important note:
1. If the insured has authorized it, there is no need to authorize it 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, the trustee is limited to the applicant's parents, spouse, children and other immediate family members.
List of interest rates for policy loans and self-raised funds
4. How does Ping An Insurance handle policy loans in insurance companies?
A few years, six years, but less money, one year 1962 yuan.
If there is cash value in the contract, you can find a company service, and the telephone loan cannot exceed the cash value.