The distinguished features of the universal life include randomly paying for premium, variable determining manners for cash values and the optional ways of death benefits.

全能寿险具有保费随机缴纳、现金价值确定方式不同，死亡给付方式具有可选性等鲜明特征。

youdao

There are many variations on the permanent life insurance policy, including whole life, universal life and variable universal life.

FORBES: Estate Tax Insurance

Many view MetLife as primarily a life insurance company selling a variety of products such as variable, universal, whole and term life insurance policies.

FORBES: MetLife Pushes New Products, Adds Life To Shares