1.Loan through Over-the-Counter Service:
The proposer and the insured carry the insurance policy, along with both the proposer’s and the insured’s national identity cards to any branch offices. In the case of entrusting others to act as an agent, in addition to the above documents, a power of attorney (proposer is unable to visit the counter) or consent form (insured is unable to visit the counter) and the national identity card of the agent shall be presented. If the proposer or the insured is a minor,or is subject to the commencement of guardianship or assistance , they shall present the documents proving that they are the legal representative, guardian or assistant.

2.Loan through physical postal ATM、Internet postal ATM or Mobile Post Office:
(1)The proposer shall be with the insured and carry the insurance policy, the proposer’s postal deposit book (the debit card shall be applied in advance if there is no debit card) along with both the proposer’s and the insured’s national identity cards to any branch offices. If entrusting others to do so, in addition to the above documents, in accordance with the provisions of the previous Article 1, the provision regulating the agency matter.
(2)The data review and documentation are completed, and the proposer can immediately use the insurance policy loan at any Postal ATM nationwide, Internet Postal ATM or Mobile Post Office
(3)The loan amount shall be directly transferred to the postal deposit book designated by the proposer and begin to calculate interest.

1.The Regulations for Loan and Repayment:
(1)Over-the-Counter loan Regulations :
a.After the insurance policy endorses the loan record, it will be returned.
b.The amount of the loan shall be transferred to the deposit account of the proposer (excluding the Postal Giro Account) or a crossed postal cheque in the name of proposer, which is non-revocable, non-transferable, and non-endorsable.
(2)Physica Postal ATM、Internet postal ATM or Mobile Post Office Regulations:
a.Application for a loan via Internet Postal ATM or Mobile Post Office loan is limited to cases where the proposer is the same as the insured and is of legal age.
b.a personal computer must be equipped with a card reader and related settings and software procedures shall be performed you can connect to the "Internet ATM" website of the Company(https://webatm.post.gov.tw) to conduct policy loan operations.
c. Applicants must first apply to open an Online Post Office account with us. Then they must then log in to the Mobile Post Office using the Online Post Office account number, user ID, and password, and complete the device binding process. Only after completing this process can the Mobile Post Office loan function be used.
(3)Within the"Borrowable Balance", the total loan number total number of loans through the counter, ATM, Internet Postal ATM and Mobile Post Office will be limited to 50 times. If the number of transactions exceeds 50, the repayment shall be settled (at least all interest shall be settled) before the another loan can be applied for.The total number of transactions for loan and repayment handled by the ATM , Internet Postal ATM and Mobile Post Office shall not exceed 20 times daily.
2.The Regulations for Repayment:
(1) Repayment (No prior application is required) can be made at any time a post office counter,a Postal physical ATM or Internet Postal ATM or the Mobile Post, You may choose to fully repay the principal and interest, partially repay the principal and interest or only repay all the interest and not pay the principal.
(2)If the repayment is on the day of the loan, according to financial practice, one day interest shall be charged.
3.Loan Credit of the Policy: If the insurance premium has been paid for more than one year and the policy remains in force, the proposer may apply to the company for the insurance policy loan within 80% of the insurance value reserve at the time of such application.
(1)A policy established after December 26, 2003, when the outstanding principal and interest of the loan exceeds the insurance value reserve of such policy, the effect of the contract ceases. However, the Company shall notify the proposer in writing 30 days before the date of suspension of effectiveness.
(2)In order to deliver it in time, please inform the Company in the event of any change of address.