When Can You Borrow From A Whole Life Insurance Policy? 
You can borrow from your whole life policy as long as it has cash value . This is often called surrender value . The amount is listed in your policy . If you have taken previous loans , you might need to contact the company or the agent to determine the amount that you can borrow . There is no waiting period or any other requirement except your desire to borrow the funds . Contact the company for specific instructions . 