For example, the current medical level, the cost of illness is a huge number, and it is very likely that "efforts will lead to a well-off society and return to the situation before liberation."
For example, the current pension level can meet the requirements of future life only by social security, so the combination of commercial insurance can be properly considered.
Finally, this new product is introduced and its benefits are realized.
The above viewpoints are for your reference.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.