中文：

一年期万能险是一种保险产品，其最大的特点在于可以在一年期限内随时投保，同时也可以随时退保。这种保险产品通常由保险公司推出，其保障范围广泛，可以满足不同人群的需求。

一年期万能险的保费通常较低，但保障范围却很广。除了提供身故保障外，还可以提供意外伤害、疾病、医疗等多种保障。同时，万能险还具有投资的功能，客户可以根据自己的风险承受能力和资金状况选择不同的投资组合，实现资金增值。

在购买一年期万能险时，需要注意以下几点。首先，需要了解保险条款和责任范围，确保自己购买的保险产品符合个人需求。其次，需要选择信誉良好的保险公司和代理人，以确保保险产品的可靠性和合法性。最后，需要按时缴纳保费，以免影响保险保障和投资收益。

总的来说，一年期万能险具有低保费、高保障、投资收益稳定等特点，适合需要短期保障和有一定投资需求的消费者购买。但需要注意的是，购买保险时需要了解个人需求和风险承受能力，选择适合自己的保险产品。

英文：

One-year universal insurance is an insurance product that can be purchased at any time during the year, and can also be withdrawn at any time. This type of insurance product is usually launched by insurance companies, with a wide range of coverage to meet the needs of different groups of people.

The premium for one-year universal insurance is usually low, but the coverage is very broad. In addition to providing life insurance, it also provides accident injury, disease, medical and other security. At the same time, universal insurance also has the function of investment, allowing customers to choose different investment combinations based on their risk tolerance and financial status to achieve capital appreciation.

When purchasing one-year universal insurance, you need to pay attention to the following points. First, you need to understand the insurance terms and liability scope to ensure that the insurance product you purchase meets your personal needs. Second, you need to choose a reputable insurance company and agent to ensure the reliability and legitimacy of the insurance product. Finally, you need to pay the premium on time to avoid affecting the insurance coverage and investment returns.

Overall, one-year universal insurance has the characteristics of low premium, high protection and stable investment returns, which is suitable for consumers who need short-term protection and have certain investment needs. However, it should be noted that when purchasing insurance, you need to understand your personal needs and risk tolerance to choose an appropriate insurance product.