Bǎoxiǎndàilǐrén xiàng wǒ tuīxiāo le yī kuǎn wànnéngxiǎn.
The insurance agent pitched me a universal life policy.
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万能险 is a hybrid life-insurance product that combines death benefit with a cash-value investment account. It became widely sold in China after the 2000s and was tightened by regulators after the 2016 bank-insurance boom.
