In principle, universal insurance is a lifelong payment, with a lifetime deduction (guarantee fee) of 50% in the first year, 25% in the second year, 15% in the third year, 10% in the fourth to fifth year and 5% in the sixth to tenth years. The deducted money (the premium you pay is deducted according to the above ratio) is the guarantee fee. I wonder if the salesman made it clear to you when you bought this product. This kind of insurance, if you only pay the premium for 20 years and don't pay the premium in the future, with the growth of age, the cost of protection will be deducted a lot, and it is possible that the cash value of the policy will be deducted and the policy will naturally end. What about your protection? Therefore, when buying insurance in the future, we must make clear the insurance liability. What kind of insurance is universal insurance? Does it suit you? Don't buy until you know it.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.