Wisdom star is universal insurance, and universal insurance is an insurance product for lifelong consumption. 50% handling fee will be deducted in the first year, 25% in the second year and 15% in the third year. . . In addition, the guarantee fee for the main insurance and the additional insurance will be deducted every year, and it will be deducted for life. The more money will be deducted with the increase of age. So its payment period is not fixed. Unlike other insurance products, 10 or 20 years is written. The payment period written in the contract is "life" or "unlimited". Because the expenses are deducted from the account every day, if the deducted principal is gone, you will be asked to pay it again and then deduct it. So you have to pay for a lifetime. Not to mention income, the monthly interest is deducted from the cost.