Based on the meaning, it means that the insurance policy agreement document is used as collateral for a loan. But generally nowadays it is rarely used by some financial services because it is less than optimal, and usually those who offer loans are from the insurance company itself. Suppose we have life insurance at Axa Mandiri, then the company offers us to apply for a loan on condition that we only guarantee policy documents. As far as I know, this policy loan is issued with an interest rate that is quite low, but the danger is that when we cannot pay it, the risk is that our policy guarantee is fully withdrawn. So that we can't have insurance benefits anymore. In other words, those who initially can get coverage when a risk occurs, it just disappears because of a failed policy loan.