Consultation content: I want to buy universal insurance, one is security and the other is financial management. Buy it for my son. Are you kidding? Is there anyone who can make money? The list can't be hundreds of thousands in a few decades: 2009-02-26 15:43. Thank you for your answers, which made me understand the true meaning of insurance, for protection, not for making money. Then in order to protect me, there is no need to buy everything. It is better to buy medical and accident insurance. But I feel that my idea is exactly the idea of many policyholders, and they all have a little desire to make money, but most of them are bought for the huge figures in a few decades. Many salesmen are also a means to convince policyholders, which is very different from you high-level people. Consultation User: Xiao Wei (Jining) Expert Answer: Liang Yu, the universal insurance of Shanghai Taikang Life Insurance, has a stable income and is a saving tool with serious illness protection. The income is definitely higher than that of banks, and dividends are enough to resist inflation and ensure purchasing power. But his income can't be compared with that of securities and futures, and he can't make a lot of money, but he can still make more money than in the bank. But compared with social security, the advantage is very great. For example, Taikang's annual income last month was 4.4, much higher than the bank's annual income of 2.25, which is very impressive in the current economic situation. Wang Yuzhu of Albert Einstein China Ping An Life Insurance Company of China Insurance Company in Guiyang said, "What is terrible is not the atomic bomb, but time plus compound interest." Universal insurance has this feature, depending on which company's products you choose, which company develops well and the interest rate is relatively high. After twenty or thirty years, you can really accumulate a fortune.