Can I Borrow Against My Globe Life Insurance? 
There are several types of policies which have the ability to build cash value for you to borrow from . Those policies are : Universal Life , Whole Life , Term UL , Return of Premium Term , Indexed Universal Life & Variable Universal Life . Like Mark was saying , you do have to have the cash value available to borrow or withdraw . Remember , if you borrow the money as a loan , and if you lapse the policy , the loan may create a taxable event if the money you borrowed is greater than the premium paid . Contact your broker/agent to review your policy or you may be able to call the company as well . Good Luck . 