Fund-based insurance is given to insurance funds according to a certain age, plus annual dividends. Although it is not as rich as universal insurance, it is not bad.
According to the comparison of payment, you can decide the payment time of universal insurance at will. Money can be saved, but no money can be taken.
Fund insurance is mostly paid annually, and the longest payment period ends at the collection period.
Therefore, from this perspective, universal insurance avoids the problem of forgetting to pay and continuing to pay.