Can I Borrow From My Life Insurance? 
Assuming you have a permanent cash value policy , you may borrow money if its available . There may be policy surrender charges that reduce the amount you can borrow . Cash value accumulation is also based on the performance of the crediting method of the policy : dividends , interest rates , indices or separate subaccounts -LRB- which can include debiting , i.e. account losses . -RRB- Keep in mind that borrowing from your policy may have loan charges : zero net cost loans , wash loans , spread loans , direct recognition loans and participating loans . 