【中文版】

万能保险是一种灵活的保险产品，它集投资和保障于一身，能够满足消费者多样化的需求。万能保险不仅提供风险保障，还可以让投保人参与投资，从而获得一定的投资收益。

万能保险的特点是保额灵活，可以根据投保人的需求调整保额。除了提供风险保障外，万能保险还提供投资服务，将一部分资金用于投资，从而增加客户的投资收益。此外，万能保险的缴费方式也较为灵活，可以根据投保人的经济状况进行调整。

万能保险适合那些既想获得一定的风险保障，又想参与投资获取收益的消费者。通过购买万能保险，消费者可以灵活地调整保额和缴费方式，以适应自身的需求。此外，万能保险还可以提供一定的豁免保障，例如在保险期间内，如果投保人发生重大疾病或意外事故，可以免交后续保费，从而减轻了消费者的经济负担。

总之，万能保险是一种集投资和保障于一体的灵活保险产品，能够满足消费者多样化的需求。在购买万能保险时，消费者需要根据自身的经济状况和需求进行选择，以获得最大的保障和收益。

【英文版】

Universal insurance is a flexible insurance product that combines investment and protection to meet consumers' diverse needs. It not only provides risk protection, but also allows policyholders to participate in investment and obtain certain investment returns.

The characteristic of universal insurance is that the insured amount is flexible and can be adjusted according to the needs of the policyholder. In addition to providing risk protection, universal insurance also provides investment services, investing a portion of the funds to increase the customer's investment returns. In addition, the payment method of universal insurance is also relatively flexible and can be adjusted according to the economic situation of the policyholder.

Universal insurance is suitable for consumers who want to obtain certain risk protection and also want to participate in investment to obtain returns. By purchasing universal insurance, consumers can flexibly adjust the insured amount and payment method to meet their own needs. In addition, universal insurance can also provide certain waiver coverage, for example, if the policyholder has a major illness or accident during the insurance period, subsequent premium payments can be exempted, thereby reducing the economic burden on consumers.

In summary, universal insurance is a flexible insurance product that combines investment and protection to meet consumers' diverse needs. When purchasing universal insurance, consumers need to choose according to their own economic situation and needs to obtain maximum protection and returns.