Can I Borrow Money On My Life Insurance Policy? 
Permanent cash value life insurance have basically four crediting methods : dividends with participating whole life , interest rates with current assumption universal life , indices with index universal life and separate sub accounts in variable universal life . The account vales are subject to surrender charges as a factor for the amount you can borrow as is the varying interest charges on policy loans like zero net , wash , spread , direct recognition and participating loans . 