1. Underwriting profit: refers to the profit obtained by an insurance company by selling insurance products. When underwriting risks, insurance companies will determine insurance rates according to the size and probability of risks, and after collecting premiums, reduce the cost of compensation through risk management and control, so as to obtain underwriting profits.
2. Investment income: refers to the profits obtained by insurance companies from investment premium income. Insurance companies will invest part of their premium income in stocks, bonds, real estate and other fields to obtain higher returns. Investment income is an important part of insurance company's profits, which is of great significance to the long-term stable development of insurance companies.