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Policy Loan

The Policy loan is a loan program which members may avail of from their GSIS’s life insurance policy. The loan, bearing an 8% interest rate,  may be paid either through monthly amortization or deduction from a member’s existing life insurance policy contract.


  • Members must have been insured for at least one year.
  • Must also have updated premium payments with  active policies.


Members with a GSIS eCard / UMID card may apply for the Conso-Loan through the GSIS Wireless Automated Processing System (GWAPS) kiosk.

Application form for policy loan may be downloaded here.

Loans Brochure (2016)