The influence of management fee adjustment of public fund on insurance includes: investment return rate, comprehensive expense rate of policy and portfolio allocation.

1. Return on investment: If the management fee of Public Offering of Fund decreases, the management fee of Public Offering of Fund invested in the insurance products purchased by investors will also decrease accordingly.

2. policy comprehensive expense ratio: insurance companies will consider investment management expenses in the process of product design and sales.

3. Portfolio allocation: Insurance companies usually invest part of their premiums in public funds and other financial assets.