1, spread, that is, the difference between the interest promised to customers and the interest actually invested, the actual return on investment is high, and the insurance company makes money.
2. Death difference, the difference between the actual mortality rate and the estimated mortality rate. The actual number of deaths is small, and insurance companies make money.
3, the handling fee is poor, the company's personnel, costs, marketing expenses and other expenses, the actual cost is very small, the insurance company makes money.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.