1, the spread, in layman's terms, is the money earned by insurance companies from various investments, such as investing in large-scale projects in the Three Gorges and interbank lending. If the bank needs 100 million yuan, the individual does not have it. At this time, they can borrow money from other banks and insurance institutions. etc
2. The charge is poor. Generally speaking, it is the money saved by the company in the whole operation. For example, the company's operating budget this year is 1 100 million, but only 80 million is used, so the cost difference is 20 million.
3, dead difference. In insurance companies, there is a mortality rate similar to death insurance. If the actual death rate is around 1.3%, then 3% may be taken as a reference when formulating the insurance rate, so the extra money is dead!
These are all sources of profit for insurance companies.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.