保单贷款是以寿险保单的现金价值作担保，从保险公司获得的贷款。这类贷款的一次可贷款金额取决于保单的有效年份；保单签发时被保人的年龄、死亡赔偿金额。
许多保险公司已被房产抵押贷款证券拖垮，只剩两家以没甚吸引力的保金售卖保单。
But many of the insurers have been laid low by their exposure to mortgage-backed securities, leaving just two firms to sell guarantees at less attractive rates.
初期保险费在客户申请保障及贷款时，先于交付保单授权书，由巴克莱银行收取。
The premium is collected by the Barclay Card branch from the client on application for the cover and the loan, prior to the hand ing over of the Certificate of Cover.
保单质押贷款必须经过一定的程序才能设立，在出质人不能按期清偿债务时，质权人可以按照法律规定的程序实现保单质权。
The impawning of guarantee slip must be set up according to certain procedure, when the pledger can not pay off debts on time, the pledge can implement the pledge right of guarantee slip…
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