1, universal insurance, all kinds of insurance quotas can be used, and the income is guaranteed, which is generally higher than that of banks. You can withdraw it at any time.

2. All insurance companies have education grants, which are generally paid in five years, 10, 15. Premium requirements are higher, with fixed income and dividends, which are generally better than universal income, but they are not universal and flexible. They can't withdraw money halfway, they can only get a little dividend (what they earn is dividend, so it's better to get it last).

Please add a detailed explanation.