In addition, Tianan's universal account is very good, keep it, there is nothing you want in the future. A current account with a lifetime guarantee of 3% is equivalent to having an exclusive guaranteed wealth management product. It should be noted that there is a handling fee of 1% for deposits. Do not deposit or withdraw money frequently. It's best to deposit and withdraw 1 year, and this account has compound interest.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.