Insurance companies mainly rely on the development of various insurance businesses, such as auto insurance and personal accident insurance. First, they charge the insurance fees of the insured users, and then manage them in a unified way. Part of the funds are used to insure the accident claims of the car owners, and part of the funds are used to make investment to make money. There are also many investment channels, such as stocks, funds, futures and government bonds. There are also loans through banks and so on.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.