The premium paid by the customer is as follows: 1, and the additional premium, that is, the operating expenses of the insurance company and the commission of your salesman, is deducted here. 2. Pure premium refers to all expenses after deducting the extra premium from the premium you pay. These expenses are divided into danger insurance premium and savings insurance premium. Among them, the dangerous premium refers to the insurance company's deposit of a part of the premium that cannot be used for commercial investment in order to settle claims in time when the customer is at risk, and this part is supervised by the CIRC. Pay less premium when you are young (in life insurance) and pay more premium when you are old, but the insurance company has set a premium rate when charging customers, which means that the premium paid when you are young is actually more than that paid when you are actually old, so as to make up for the extra premium generated with the increase of age in the future. In this way, the insurance company will store the fees you pay, thus generating savings premiums. (Mobile phone Baidu "Baidu Cash Loan" can meet your consumer demand at any time! )
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.