1, universal insurance is a kind of "life insurance". Therefore, it has the basic functions of life insurance, such as providing corresponding life protection, exclusive insurance benefits and exemption from income tax.

It is not a tool to realize profiteering, but an asset that is firmly guaranteed by legal means while giving consideration to investment income and related protection. It is an ideal storage method of "risk reserve".

2. It is said to be "omnipotent", which is mainly manifested in flexible payment, adjustable insurance coverage and convenient collection of policy value.

First, flexible payment. You can choose and change the payment period at will, postpone or stop paying the premium when your future income changes, continue to pay the premium after three to five years or more, and make one or more additional premiums.

Second, the insured amount can be adjusted. You can choose or change the "basic insurance amount" at any time within a certain range to meet people's different needs for protection and investment.

Third, it is convenient to collect the policy value. Customers can receive the value of the insurance policy at any time, which can be used as children's education funds, marriage funds, start-up funds, or as medical reserves and pension reserves for themselves or other family members.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.