How many years can Ping An Century Universal Insurance win a refund? Cost-effective?

Hello, the winner of Ping An Century is a very good universal insurance for children, which has been discontinued now. Universal insurance is characterized by flexible payment period and adjustable insurance amount. So you can see that the payment period in the insurance contract is life. In universal insurance, the money in the policy account is enough to pay the guarantee fee for the next year. It is generally recommended to pay 10 year. 0 1 year, the policy can be guaranteed for life. Universal insurance requires customers to pay attention to the cash value of the policy (which can be found in the account book) to prevent the policy from becoming invalid. It is suggested to continue to pay the fee, contact the salesman or add additional risks (hospitalization, accidental medical treatment and accidental injury) at the Ping An counter. I hope I can help you. If you are not sure, please contact me.