I am the instrument of Ping An Insurance in Nanning, Guangxi. I understand that our Pacific Caihua Life Universal Insurance and Ping An Zhifu Life Universal Insurance are the same type of insurance. Universal insurance, the so-called universal insurance, is to have the functions of life insurance, critical illness insurance and supplementary old-age savings insurance at the same time. Universal insurance belongs to investment insurance, and its function is similar to that of a fund with guaranteed capital and interest. If you directly invest in the fund, when the investment market is depressed, the fund investment fails, and it may also go bankrupt and liquidate. That is, universal insurance is basically a risk-free investment (except for the bankruptcy of the insurance company itself). The coverage of life insurance and critical illness insurance in universal insurance is selected by customers and can be adjusted. Life insurance and critical illness insurance premiums in universal insurance are purely natural consumption premiums. Universal insurance allows customers to avoid the interest rate risk caused by the rising interest rate after insurance. Universal insurance is suitable for customers with good economic conditions. Premium expenditure only accounts for a small part of the family economy, and there should be other savings or investments in the family economy, such as funds, stocks, national debt, or real estate. Universal insurance is also an "investment-oriented" insurance savings for these customers. Universal insurance is exempt, that is, you can pay it or not, which is up to the customer. For example, deposit 1000 yuan, 2,000 yuan and 3,000 yuan every year. However, it should be noted that universal insurance is not suitable for low-income people. People with an annual premium budget of less than 6,000 yuan are advised to take out traditional insurance or dividend insurance.