Simply put, an insurance company is a financial institution in Qian Shengqian. On the one hand, the premium it receives gives us a guarantee so that we can worry about the accidents we are worried about. On the other hand, it will invest the premium: it can get more funds through a large number of bank loans and national construction. On the other hand, due to the protection of national policies and laws, insurance companies will not go bankrupt, so basically insurance companies will not lose money. Occasionally, like the financial storm, for example, the year before last, Ping An was said to have lost 20 billion yuan, but he still made a profit.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.