My father has bought this insurance for three years. I don't know what benefits this insurance has. Please ask professionals to answer.

Hello! 1. A safe and intelligent life is a universal whole life insurance for serious illness and old-age care. I wonder if your father's age, insurance coverage and future income are directly related to his age, which is a cost-effective insurance; 2. Ping An Universal Insurance is fully guaranteed and the investment is convenient. Part of the insurance premium paid will be used to buy the expected protection, and part of it will enter your personal account and be managed by investment experts. You can change the protection amount at any time. Ping An Universal Insurance is managed by experts, so users can sit back and relax. Through the investment management of investment experts, we can enjoy the advantages that ordinary people can't get: wider investment channels, richer investment varieties, more flexible investment methods, more professional investment skills, more dispersed investment risks and larger investment scale. China Ping An Insurance has flexible universal insurance payment, unlimited coverage, multiple intersections with money and no money. Customized reports make customers feel transparent and secure. Ping An Company sends a report to customers every year, which lists in detail various expenses, personal account value and other related information for customers' reference, supervision and inspection. Universal insurance funds are easy to withdraw. If you need a sum of money urgently, you can apply for a policy loan or apply for the value of some personal accounts from Ping An Company to solve the urgent need and the contract will remain valid. Your car is compulsory insurance for the first year of new car. You can choose your own commercial insurance, but the new car is recommended to be fully insured, including compulsory insurance and all commercial insurance. If it is an old car, you can selectively insure commercial insurance in the second year. I hope my suggestion can help you! I wish you peace and happiness!