My culture is the same as yours. I’m retired almost 20 years and not scared just prudent. Thirty years as a professional financial advisor will teach you a thing or two. Medical expenses can bankrupt anybody given the right conditions.
It can be a loan but remember is has to be there for the two months before the extension and the three months after, and not drop below 400,000 the other months. Is the agent going to loan it to you for that long? 🤔