The first thing you need to know is whether or not you're going to be able to get a good deal on the cost of coverage, and the older you are, the more you're going to be able to get.

You said the situation belongs to the universal insurance product form.

And the peace of mind is not a universal type of product, is the traditional type of protection type.

Of course there is certainly a deduction for the cost of protection, but certainly in the payment period to complete the lifetime cost deduction.

If you want to study the different product forms, you can put in some effort then, if it is only the choice of insurance, it is recommended to start from the perspective of the actual situation of the individual and the reasonable needs of the product selection.