中文：

平安的反转是一部由平安保险推出的保险产品，它旨在为客户提供全面的保障，同时也可以帮助客户实现财富增值。该产品自推出以来，受到了广泛的关注和认可。

平安的反转的发行时间是在2018年，它是一种年金保险产品。该产品的设计原理是通过将客户的保费投资到年金保险中，然后在约定的时间内，每年或每月领取一定的养老金或生存金。同时，在保险期间内，还可以获得一定的身故保障。

该产品的优点在于，它可以帮助客户实现财富的稳健增值。由于年金保险的投资期限较长，因此可以享受长期的复利效应。此外，平安的反转还具有较高的保障额度，可以满足客户对于保障和安全的需求。

然而，该产品的缺点也是显而易见的。首先，年金保险的收益并不是非常高，尤其是在低利率环境下。其次，平安的反转需要客户缴纳一定的保费，对于一些经济条件较为紧张的客户来说，可能会造成一定的经济压力。

总的来说，平安的反转是一款具有全面保障和财富增值功能的保险产品。虽然需要缴纳一定的保费，但是对于需要长期稳健增值的客户来说，它仍然是一个不错的选择。

英文：

Ping An's Reversal is an insurance product launched by Ping An Insurance to provide customers with comprehensive protection while helping them achieve wealth growth. Since its launch, the product has received widespread attention and recognition.

The issue time of Ping An's Reversal was in 2018. It is an annuity insurance product. The design principle of this product is to invest the customer's premium into an annuity insurance, and then receive a certain amount of pension or survival money at regular intervals each year or month. At the same time, during the insurance period, a certain amount of life insurance protection can also be obtained.

The advantage of this product lies in that it can help customers achieve stable wealth growth. Due to the long investment period of annuity insurance, it can enjoy long-term compound interest effects. In addition, Ping An's Reversal has a high level of protection that can meet customers' needs for protection and safety.

However, the disadvantages of this product are also obvious. Firstly, the return on annuity insurance is not very high, especially in a low interest rate environment. Secondly, Ping An's Reversal requires the customer to pay a certain premium, which may cause economic pressure for some customers with tight economic conditions.

Overall, Ping An's Reversal is an insurance product with comprehensive protection and wealth growth functions. Although it requires the payment of a certain premium, it is still a good choice for customers who need long-term and stable wealth growth.