This product has been discontinued now, and it is one of the few good products in the insurance industry.
In terms of income, this product is a loss-making product for insurance companies in the short term. Because the initial cost deducted is relatively low, it is not enough to pay for the investment of this product.
The income of this product is relatively large. According to the original mid-range interest argument, it is no problem to recover the principal in three years. However, due to the depression of the investment market in the past two years, the universal rate of return has also declined slightly, and the income has not achieved the expected results. However, judging from the current rate of return, it is no problem to recover the cost in five years if it is not repaid in three years. Because this product is universal insurance, it belongs to compound interest nature. Therefore, the longer you hold it, the more you can appreciate its superiority, that is, the faster you grow. So it is recommended to hold it for a long time.
As for the payment, you can stop paying for a few years or not, and you can continue to pay if you have money. If you need money urgently, you can apply for partial withdrawal, and the policy will remain valid. If you don't surrender, the income after 10 will definitely be much higher than that of bank time deposits in the same period.