In a whole life policy, "cash value must be made available to borrow against after" years.

In a whole life policy, "cash value must be made available to borrow against after 5-10 years".

Explanation:

Each time premiums are paid for cash value life insurance policy, such as a whole or universal life insurance policy, part of the premium is put towards the cash value.

The cash value grows over time at an interest rate set by the terms of the policy, and is equivalent to the amount of money one is entitled to receive if the policy is surrendered to the insurer.

If one has a permanent life insurance policy or a whole life policy that accumulates cash value, one can borrow money from the insurer using the cash value as a collateral.

This option is usually available once the policy's cash value has reached a certain size , which may take 5 to 10 years.