What should an insurance studio do?

Studio? Agency, right?

You must have a certificate.

And the business scope allowed by industry associations and industrial and commercial bureaus.

For example: agent claims, insurance consultation (this is free in theory), …

Insurance companies themselves have after-sales service, especially life insurance, and salesmen will always follow them, not to mention auto insurance. There is a 4S garage and an insurance salesman to settle claims, so it's nothing to go by yourself.

I don't know what your studio can do.