First, adjust the difference, for example, I originally planned to reduce three, but now I have only reduced two. The scheme here is not decided by the insurance company itself, but the conclusion drawn through mathematical statistics.
Second, the cost difference, such as the company's budget for water, electricity and wages this year, is less than the actual budget to make money.
Third, poor investment means that insurance companies will invest some money.
The Insurance Law stipulates that insurance companies are prohibited from investing in high-risk investment projects, such as stocks and futures. The main investment methods of insurance companies are agreement deposits, subordinated bank debts, national key projects, national bonds and funds.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.