At least 10 years. According to official website, Ping An Insurance, the payment period of Ping An Wisdom Star is unlimited, which means that the insured can freely choose the payment period, ranging from 10 years to life. The contract shows no restrictions, because it is universal insurance, and the payment period of universal insurance is free. However, if the insured purchases before the age of 4, the payment must be at least 15 years.