The income of universal insurance is not as good as dividend insurance, and the insurance amount of universal insurance can be adjusted, but the available balance deducted from final accounts is getting less and less, while dividend insurance can be attached with term life insurance, early payment for major diseases, hospitalization and so on. It can meet the needs of the public better than universal insurance!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.