The insurance company's premium is actuarial and will not exceed 100%. When the customer pays the insurance company a year's premium, even after 1 year 100% is paid out, the insurance company takes 1 year for free, and its capital cost is zero. Theoretically, insurance companies should not earn the premium (principal) of customers. At present, domestic insurance companies have to eat underwriting profits and earn profits from the use of funds, so everyone thinks that insurance is very expensive, in fact, it is all spent by the insurance company's fixed assets and personnel wages.