Does the account manager of Ping An Company's policy loan have a short message prompt or push?

There will be no SMS prompt or push to the account manager, but the account manager can enter the system to inquire if he wants to know.

Let's talk about what a policy loan is.

Policy loan refers to a way for the insured to mortgage his policy to the insurance company and obtain funds according to a certain proportion of the cash value of the policy, which is the same as buying a house with a loan. And the insurance contract is still valid during the policy loan period. As long as it meets the insurance contract, how to compensate or how to compensate. However, the insurance company will not pay more. When determining the final payment amount, the loan principal and interest will be deducted first, and then the payment will be made.

From the definition of policy loan, we can see that not all policies can be loaned, but policies with "cash value" can be loaned.

Generally speaking, only life insurance, endowment insurance, annuity insurance and critical illness insurance with savings nature can apply for policy loans, but short-term insurance cannot apply for policy loans.

There are some term products, such as term life insurance. In theory, you can also make a policy loan. Golden bell cover term life insurance also includes "policy loan", but the cash value of such products is generally not high. For thousands of dollars, Dabai thinks it is unnecessary.

In addition, policies that have been exempted from premiums, paid automatically or are applying for claims cannot be used for policy loans.

Policy loans have the following characteristics:

1, quick loan.

The speed of applying for policy loans is relatively fast, from a few hours to a few days.

2. The procedure is relatively simple and requires less materials.

Under normal circumstances, the applicant only needs to bring the insurance policy, valid identification and the written application statement of the insured agreeing to the loan.

3. The loan interest rate is relatively low.

Under normal circumstances, the interest rate of policy loans will rise slightly on the basis of the bank's six-month loan interest rate, about 5%-6%, and the interest rate is relatively low.

4. The repayment method is relatively loose.

The repayment method of the insured is very loose. You can repay the interest first and then the principal, or you can repay the principal and interest in one lump sum at maturity.

The policy loan has low interest rate and simple procedures, which can provide financing for customers without surrender and meet short-term capital needs. It is a very high-quality loan channel.