As long as it is in line with your funding cycle, I suggest you not pay it back. 1. Compared with universal insurance in personal business, universal insurance has certain advantages only from the perspective of financial management. 2. Compared with regular bank savings, the expected income of universal insurance is more worth looking forward to. 3. Universal Bank Insurance is a relatively reasonable choice to withdraw a certain account balance for 5 years to 10 years. 4. 15-20 years of universal insurance will have obvious advantages. As long as your funds are not in urgent need around 10, and you pay more attention to the safety and stability of capital gains, you can consider not returning them.