If you want something secure, buy something simple. Only the guaranteed ones can persist until you 18 years old. As an adult, you can buy adult insurance, such as Ping An Fu, 18 years old, and you can buy it for 20 years.
And the types of insurance have been changing. Don't look at it today. Who knows if 20 years from now will be appropriate?
If it is a financial management type. As far as I know, it only takes a few years to pay off, and then interest will be rolled anyway, which will be beneficial for life.
Don't trust some unprofessional salesmen. Ask more questions if you want to know.