Pay thousands of dollars a year, don't do everything. Many salesmen in Ping An don't know about themselves, but they still sell everything, which will be misleading. Universal is a lifetime payment guarantee, which is written in the contract. Don't believe what they say, 10 or 2 years. If you want to do long-term financial management, do universal insurance with zero initial cost for bank insurance. But it must be released for a long time and can be taken out in an emergency. Basically, you can make a profit in one and a half years, with daily interest and monthly compound interest. Dividends are paid regularly, and the income is not high, which is similar to that on a regular basis.

You should remember that the average salesperson gets the least commission to maximize the interests of customers. Individual insurance period 10%-30%, wholesale payment 5%- 10%, bank insurance period 2%-3%, wholesale payment 0.2%-0.3%. College insurance major, no professional answer.