Each kind of insurance design has its pertinence and scope of protection. So before you buy insurance, please be clear about what kind of problems you want to solve by buying insurance.
The setting of universal insurance is to find investment channels for a large number of idle funds. Because it has a minimum income guarantee (only for the funds in the investment account), it is not allowed to invest in equity products, so the return on investment cannot be as high as that of investment-linked insurance, and of course the risk is not high.
Before you choose universal insurance, please consider whether you want to buy it to solve the protection problem or invest in an account. If the problem of supportability is solved, it is recommended to choose a single-function support product.