Every insurance product of an insurance company must be approved by the China Insurance Regulatory Commission before it can be put on the market. If an insurance company wants to change a punctuation mark, it will have to be submitted to the China Insurance Regulatory Commission for approval for several months before it can be sold. The essence of insurance is contract and contract, which has legal benefits. If there is a lawsuit, the court will stand on the customer's side, so an insurance product cannot deceive people, but it does not mean that the salesman who sells it will not make false propaganda for the sake of performance.