It is eternal, infinite and undecaying. Physical love is passion or Moha or infatuation.
Universal love is divine love.
Cosmic love, Visva Prema, universal love are synonymous terms. God is love. Love is God. Selfishness, greed, egoism, vanity, pride and hatred contract the heart and stand in the way of developing universal love. When the heart is contracted through selfishness, man loves his wife, children, a few friends and relatives only, in the beginning.