Policy Loan
Servie Introduction
The policyholder can apply for a policy loan after the policy effective and accumulates a policy cash value, under the terms and conditions of the policy. The maximum loan amount can be up to 90% of the policy cash value (varies depending on the type of insurance plans and not applicable for universal life products) at the time of application, minus any debts associated with the policy (if any).
The interest on loan shall be accrued daily from the date when the policy loan is approved by the Company. The current interest rate on policy loan is 7% per annum except for specific products, which is subject to regular review and adjustment at the Company’s sole absolute discretions.
Instant Online Application
Submit application using the OneService APP with just a few taps, quick, effortless, save on mailing costs and processing time!
User Guide
Apply Now
You can also contact your agent to assist with your online application, just as fast and effortless!
《Request For Financial Services Form》
Forms Download 
FAQs & Important Notes

Before applying another policy loan, please check the latest cash value of the policy and the relevant terms to ensure you meet the requirements of the loan amount.

Repayment of the policy loan can be made at any time while the policy status is inforce.

Applying for a policy loan generally will not affect your policy coverage. A policy loan refers to borrowing funds from the cash value of the policy, provided that your policy has a cash value and meets the loan conditions. As long as you make timely repayments, the coverage and validity of your policy will remain unchanged.

However, it is important to note that if you fail to repay the principal and interest of the loan, the company may deduct the outstanding debt from the policy's cash value of your policy. This may impact the future cash value, claim amount or maturity benefits of your policy. Therefore, it is recommended that you carefully read the policy terms, understand the relevant conditions and impacts, and ensure that you can make timely repayments.

No, to identify that the payment is for repaying the policy loan, please refer to "The Anniversary Loan Repayment Notice" for the designated payment reference number and payment methods.

If the customer uses the dedicated repayment number ending in 991230 for payment, no additional notification to our company is required.

Policyholder can log in to OneService APP to apply for policy repayment.

Yes, you can log in to OneService APP to view the loan amount as of the query date and record the amount of the quotation as of date of inquiry.

Yes, Policyholder can log in to OneService APP to check the related information.