The loan amount of the policy is 80% of the cash value of the policy, which generally does not exceed this ratio. There is a list on the back of the policy to check the cash value of the corresponding payment period.

There are two kinds of policy loans.

1. When the premium to be paid has not been paid in full, 70% to 80% of the premium can be lent.

2. If the premiums are paid, the loan amount is the year. 70% to 80% of the insured amount (note: the insured amount will increase with the policy loan, not the insured amount when the policy is first insured).

Generally speaking, if the premium is not paid in full, only 70% to 80% of the premium can be loaned; After paying the insurance premium in full, you can borrow 70% to 80% of the loan insurance amount in the current year. In addition, the loan period does not exceed 6 months, and there is a certain interest.

The loan amount of the policy generally does not exceed a certain proportion of the cash value of the policy, and it needs to bear certain loan interest. The loan amount that the insured can issue is linked to the cash value of the policy, and the accumulated loan amount generally does not exceed 70% to 80% of the cash value. The interest rate is 0.5% of the one-year loan interest rate announced by the People's Bank of China. The loan term usually does not exceed 6 months and should be repaid before the next policy anniversary. Note: 1. Policy pledge loan is only suitable for short-term capital turnover, not for high-risk investments such as stocks.

2. The policy loan must be applied by the applicant or the insured and may not be entrusted; Free insurance policies are not allowed to pledge loans, which is very common in children's insurance.