Whether insurance is good or not mainly depends on whether it suits your needs!
On the whole, for individuals, the best security scheme is to improve their social security first, and then choose appropriate commercial insurance as a supplement according to their actual specific security needs.
Under normal circumstances, the best insurance strategy for personal commercial insurance is to improve accident insurance, health insurance and other types of insurance, and then choose appropriate pension insurance and financial insurance as appropriate supplements.
I hope it helps you!