Second, you buy insurance. I don't know what angle you are starting from. If you start from making money, it is not insurance. The basic function of insurance is protection.
Thirdly, I can't suggest that you just follow the trend and buy insurance, because you are not considerate in buying insurance. If the insurance is for returning goods, there is no need to buy it.
Fourth, you can compare with the salesmen of relevant insurance companies.
Fifth, buy insurance without looking at the contract. Do you think what is said online is credible? If one day someone says it's so good, that's good. If someone says that's bad, isn't it good?
The sixth universal insurance, you should find out what it is before you ask. Since you like to check online, the universal insurance in insurance has a lot to do with bank interest rate, loan interest rate and the operation of fund insurance companies. What you care about is to restore the insurance you bought to customers.
Seventh, I wish you a smooth job, a developed career, a healthy life, a happy family and a healthy baby.