Over-loan protection riders are an innovation of the life insurance industry that (at the policyholder's discretion) essentially freeze policies where loan balances exceed a certain threshold as a percentage of cash value in the policy.

This stops the policyholder from continuing to take additional loans from the policy, but it also avoids a lapse meaning it avoids a potentially disastrous situation.

The exact parameters of how and when these riders are used varies by insurance carriers and availability is mostly found on universal life policies (though there is one whole life insurance product that offers such a benefit).

https://theinsuranceproblog.com/the-over-loan-protection-rid...

overloan直接翻译时超额贷款、过度贷款，这里的过度，其实就是指的授信额度的过度，过度授信容易导致借款人没有足够的偿还能力而成为坏账，所以，感觉加上个”授信“好些。