If salespeople all get commissions like this, the insurance company will lose money. First of all, it is illegal for her to generate an insurance policy for you without your consent. Judging from the situation you described, what she sent you was the basic information of the insurance policy, and you need to activate it yourself. It should be a gift of accident protection. I received it from the Pacific Ocean before, and I took it all. Later, I went online to consult about insurance, and a company would call me back. As long as it is a gift, I want it. It is not a bad thing to give yourself more value protection. But I only choose China Life Insurance and AIA if I need to spend money. I also want to tell you that insurance salesmen and car salesmen, like any other sales industry, have commissions. Is there a problem?
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.