Insurance companies always sell products to customers. Every time they launch a new product, they give the salesman a set of words and a set of reward methods. Then the salesman excitedly sells the products, and the premium rises sharply. After a long time, the product is not attractive to the salesman, so change to another product. In fact, you will find that sometimes you change several products in succession, but the guarantee and total dividend have hardly changed. The most is how much to pay first. The return ratio has changed, even the name has changed.
Insurance companies will always stop changing products if they don't change their existing sales concepts.