How Much Can I Borrow From My Life Insurance? 
The amount of money you can borrow from your cash value life insurance policy depends upon several items . Was the policy designed for cash accumulation or death benefit coverage ? What was the crediting method : interest rates , indice returns or separate subaccount performance ? How long has the policy been in force and are there surrender charges that apply when taking out loans ? And speaking of charges , what is the loan cost for borrowing from your policy . All these items should be addressed before borrowing from your policy . So , order an in force ledger to determine what you have then another in force ledger that demonstrates how much you can borrow and still keep the policy in force . 