1. First of all, the investment mode of universal account is closely related to market risk. If the investment market fluctuates greatly, it may affect the account value and even lead to account losses.
2. Secondly, the insurance company may adjust the rate and interest rate of the universal account, which may affect the rate of return of the account.
But in general, it is safe to deposit money in the universal account of insurance company, and the insured can withdraw money at any time. Therefore, when investors choose universal accounts, they need to choose powerful insurance companies, and pay attention to understanding the investment strategies and risk control capabilities of insurance companies.