Not included. Insurance premium is the cost of purchasing an insurance contract, which is used to pay the risk-taking cost and management expenses of the insurance company. The insurance premium is usually determined according to the type of insurance contract, the amount of insurance, the risk of the insured and other factors, and the futures trading fee is not included in the insurance premium. The transaction cost of futures includes the transaction cost, margin and handling fee of futures contracts. These fees are based on the rules and market conditions of futures trading, and are usually related to futures exchanges or brokers. These expenses have nothing to do with the insurance contract and will not be included in the premium. They are separate.