China Life's universal insurance should be approved by CBRC, and the guarantee and income should be written into the insurance contract in black and white, which has legal effect. You can rest assured.

The universal account has a guaranteed interest rate, and this part of the income running at the guaranteed interest rate is definitely available and the income is stable.

So how much can you earn by buying universal insurance? Sister Xue made an analysis before: How much can I earn by buying universal insurance? Don't be sold. It was fun.