Ping An Insurance, universal insurance has been paid for 4 years, and the maturity date is 10 year. Can it be put forward in 10 years?

It can be taken out completely and belongs to a class of insurance products. Like traditional life insurance, it can not only protect life, but also allow customers to directly participate in the investment activities of funds in the investment account set up by insurance companies for the insured. The value of the policy is linked to the fund performance in the investment account of the insured operated independently by the insurance company.

Most of the premiums are used to purchase investment account units set up by insurance companies, and investment experts are responsible for the transfer of funds in the accounts and investment decisions, and put the funds into various investment tools.

Extended data energy insurance is an investment life insurance with both risks and guarantees, which is between dividend insurance and investment-linked insurance. Under this "universal insurance" insurance method, the insurance premium paid by consumers is divided into two parts, one for insurance and the other for investment. The investment part of this money can be converted into insurance by consumers' own choice. This conversion may be manifested in changes in payment methods, payment years and insurance amount.

In foreign countries, generally speaking, the risk of investment is borne by consumers themselves; In the domestic universal insurance, a minimum guaranteed rate of return is generally given, and consumers themselves can weigh and compare the minimum guaranteed rate of return and the bank deposit interest rate.

Baidu encyclopedia-universal insurance