No, your problem is due to your ignorance of insurance. China Ping An Insurance is divided into four subsidiaries (insurance): property insurance, life insurance, health insurance and endowment insurance, and subsidiaries such as banks, securities and trusts. Only the life insurance model is close to pyramid selling, but it is not the same, but the models of all life insurance companies are basically the same, not just safe and close to pyramid selling. There are many reasons for approaching, basically two: 1. 2. China people's insurance awareness is not strong, and they don't realize that insurance is an important financial management method, which leads to huge market potential, or it can be attributed to the fact that China people are not rich enough.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.