1. Return on capital: Insurance companies need to consider the return on capital gained by investing in insurance premiums to ensure that they can pay insurance premiums and remain profitable. The higher the return on capital, the lower the insurance rate.
2. Personal characteristics: The insurance company will also consider the personal characteristics of the insured, such as age, gender, health status, occupation, etc. Characteristics will have an impact on insurance rates, for example, people who are older or engaged in high-risk occupations have to pay higher insurance premiums.