The insurance you mentioned is probably universal insurance, and the 65 thousand described by the salesman is the higher expected income of the insurance company.
It may or may not be realized, depending on the strength of the insurance company and how high the return on investment is.
The investment and operation of insurance companies can be roughly divided into these categories:
1 A large deposit agreement was reached with the bank, which was much higher than the deposit interest rate of ordinary residents, which greatly guaranteed the stable income of insurance companies.
Invest in national large-scale infrastructure, or some countries monopolize industries, such as the Three Gorges Project and China Southern Power Grid. And the income will be higher.
Enter the stock market, buy funds, national debt and so on.
What's more, the commission of insurance company salesmen is not as high as customers think, but their hard-earned wages in insurance companies. To put it another way, cosmetics sellers in shopping malls have high wages, so they know the wages of other people's labor.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.