Yes Sunshine insurance loan is guaranteed by insurance policy. If the user fails to repay the loan on time, when the sum of unpaid principal and interest reaches the cash value of the insurance contract, the validity of the insurance contract will be terminated, and the user will not be able to continue to enjoy the protection of the insurance contract. Health with E-Insurance is an insurance product of Sunshine Life Insurance, which is divided into four insurance packages: 6 kinds of severe diseases, 25 kinds of severe diseases and 42 kinds of severe diseases.